---
title: Is a flood disclosure required in Florida real estate transactions?
description: Florida flood disclosure requirements explained. Learn when it’s required, who signs, and how to stay compliant in every sale
---

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September 21, 2026

# Is a flood disclosure required in Florida real estate transactions?

## Florida Statute 689.302 requires a flood disclosure to be completed by the seller at or before contract execution for every residential sale, with the buyer acknowledging receipt. There are no exceptions. This is a mandatory requirement for Florida compliance and risk management.

**Download the Easy Realty Flood Disclosure here: [Download Flood Disclosure](https://hub.easy.realty/?attachment_id=1851)**

The Easy Realty Flood Disclosure (FL) is a mandatory document that must be completed for every residential sale transaction in Florida. Agents should confirm they are using the current version, available for download above.

This disclosure must be delivered to the buyer before or at the time the purchase contract is signed. Delivering it after contract execution is not permitted, and omitting it entirely creates a compliance deficiency that puts the transaction at risk.

Responsibilities are divided between the seller and buyer: - \*\*Seller:\*\* Must complete the disclosure based on their actual knowledge of the property, including any known history of flooding, insurance claims, or disaster assistance. If the seller has no known history, the form must still be completed and submitted — it cannot be left blank. - \*\*Buyer:\*\* Must review the completed disclosure and acknowledge receipt by signing it.

Agents must include this disclosure on every listing and every purchase transaction. Add it to the transaction package at the outset — not at closing — to prevent last-minute delays and ensure full compliance.

**\*\*Scope:\*\* This disclosure applies to residential sale transactions only. It is not required for leases, rental agreements, or commercial property transactions.**

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