Florida · §689.302Florida flood disclosure (§689.302): what the seller must answer
A Florida seller of residential real property must complete and give the buyer the statutory flood disclosure at or before the time the sales contract is executed (Fla. Stat. §689.302). The seller states whether they know of flooding that damaged the property during their ownership, whether they filed a flood damage claim with an insurer, including the National Flood Insurance Program, and whether they received flood assistance, including from FEMA. The form also reminds the buyer that homeowners' policies do not cover flood damage.
The three questions
Flood damage
Does the seller have knowledge of any flooding that damaged the property during the seller's ownership?
Insurance claims
Has the seller filed a claim with an insurance provider for flood damage, including a claim with the National Flood Insurance Program?
Assistance
Has the seller received assistance for flood damage, including assistance from FEMA?
Insurance reminder
Homeowners' policies do not cover flood damage; the buyer is encouraged to discuss separate flood insurance with an insurance agent.
What “flooding” means here
- Overflow of inland or tidal waters.
- Unusual and rapid accumulation of runoff or surface waters from an established water source, such as a river, stream or drainage ditch.
- Sustained periods of standing water resulting from rainfall.
What the TC tracks
- Flood disclosure signed and dated no later than the contract.
- Flood zone and insurance quote shared with the buyer early in the inspection period.
- Federal flood zone notice from the lender, if the home is in a special flood hazard area.
Questions about the Florida flood disclosure
When must a Florida seller give the flood disclosure?
At or before the time the sales contract is executed (Fla. Stat. §689.302).
What does the Florida flood disclosure ask?
Whether the seller knows of flooding that damaged the property during their ownership, filed a flood insurance claim (including NFIP) or received flood assistance (including FEMA).
Does the Florida flood disclosure apply to condos?
The statute covers residential real property and contains no separate exception for condominium units.
Does homeowners insurance cover floods in Florida?
The statutory form states that homeowners' insurance policies do not include coverage for flood damage.
What counts as flooding on the Florida disclosure?
Overflow of inland or tidal waters, rapid runoff from an established water source, or sustained standing water from rainfall.
Related guides
Keep the signed flood disclosure with the deal documents in ClosingCode and add the flood insurance quote as a task with an owner and due date inside the inspection period.
Start free trialSource: Florida Statutes §689.302 (leg.state.fl.us, read October 24, 2026).
General information, not legal advice. ClosingCode is software; it is not a law firm or brokerage.