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Bill

SB 948

Flood Disclosures

2025 Regular Session Introduced by Jennifer Bradley

Florida law requires real estate agents to disclose flood risks, zones, insurance requirements, and historical flood data to property buyers before purchase.

Chapter No. 2025-166
#civilpracticeandprocedure #subjectindex
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Bill Summary · SB 948

Legislative bill overview

SB 948 requires Florida real estate agents and sellers to disclose flood risk information to potential 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 the property transaction process.

Why is this important

Florida's rising sea levels and increasing flood events make flood risk a material factor in property values and buyer safety. Transparent flood disclosures help buyers make informed decisions, reduce disputes after purchase, and promote market efficiency by pricing flood risk accurately into property values.

Potential points of contention

  • Market impact: Expanded disclosures may reduce property values in flood-prone areas, affecting current homeowners' equity and property tax bases in vulnerable communities
  • Implementation burden: Real estate professionals must obtain and verify flood data, potentially increasing transaction costs and complexity
  • Definition clarity: Disputes may arise over what constitutes adequate flood risk disclosure and whether historical data sufficiently predicts future flooding patterns

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

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