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Bill

HB 1015

Flood Disclosures

2025 Regular Session Introduced by Christine Hunschofsky and 1 co-sponsor

Florida requires real estate sellers to disclose flood risk information and insurance requirements to buyers, increasing transparency but potentially burdening agents and affecting property values.

Laid on Table, companion bill(s) passed, see CS/CS/SB 948 (Ch. 2025-166)
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Bill Summary · HB 1015

Legislative bill overview

HB 1015 requires real estate sellers and agents in Florida to disclose flood risk information to prospective buyers, including flood zone designations, flood insurance requirements, and historical flood data. The bill establishes standardized disclosure forms and timelines for providing this information during property transactions.

Why is this important

Florida faces increasing flood risks due to rising sea levels, storm surge, and heavy precipitation, making flood information critical for informed property purchases. Buyers need accurate flood risk data to make sound financial decisions, obtain appropriate insurance, and understand long-term property viability—yet disclosure standards have been inconsistent across the state.

Potential points of contention

  • Real estate industry burden: Agents and sellers may face increased compliance costs and liability exposure from providing detailed flood assessments
  • Market impact concerns: Stricter disclosures could depress property values in flood-prone areas and reduce transaction volume in vulnerable communities
  • Data accuracy questions: Disagreement over which flood models and historical data sources are most reliable, and whether federal flood maps adequately reflect current/future risks

Compiled from official sources — confirm details with the bill’s official record.

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