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Bill

SB 1332

Flood Zone Disclosures for Dwelling Units

2025 Regular Session

Requires residential property sellers to disclose flood zone status to buyers, enhancing transparency about flood risk in real estate transactions.

Died in Judiciary
#civilpracticeandprocedure
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Bill Summary · SB 1332

Legislative bill overview

SB 1332 would have required sellers of residential properties to disclose whether dwelling units are located in designated flood zones to potential buyers. The bill aimed to enhance transparency in real estate transactions by making flood risk information readily available during the property sale process.

Why is this important

Flood risk represents a significant financial and safety concern for homeowners, affecting property values, insurance costs, and long-term habitability. Enhanced disclosure requirements help buyers make fully informed decisions and can reduce disputes over undisclosed hazards. In Florida, where flooding is an increasing concern due to geography and climate factors, this information is particularly material to purchasing decisions.

Potential points of contention

  • Real estate industry concerns: Sellers and real estate agents may oppose additional disclosure burdens, arguing existing federal/state disclosure frameworks are sufficient or that flood zone maps are publicly available
  • Definitional clarity: Questions about which flood zones trigger disclosure requirements (100-year flood plains, high-risk areas, or broader designations) and how frequently disclosures must be updated
  • Liability implications: Uncertainty over whether sellers could face legal liability if flood zone designations change after sale, or disputes over the accuracy of disclosed information

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

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