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HB 200

Sale of Residential Real Property - Required Flood Risk Disclosure

2026 Regular Session Introduced by Dylan Behler and 8 co-sponsors

Maryland bill requiring residential property sellers to disclose flood risk information to buyers before or during real estate transactions.

Approved by the Governor - Chapter 776
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Bill Summary · HB 200

Legislative bill overview

HB 200 requires sellers of residential real property in Maryland to disclose flood risk information to potential buyers before or during the sale process. The bill establishes a mandatory disclosure requirement that would apply to all residential property transactions, ensuring buyers have access to flood hazard data prior to purchase.

Why is this important

Flood risk is a critical factor affecting property value, insurance costs, and long-term habitability, yet many buyers complete purchases without understanding their exposure to flooding. Maryland's coastal and low-lying areas face increasing flood risks from sea-level rise and severe weather, making this information particularly relevant for informed decision-making and property investment.

Potential points of contention

  • Real estate industry burden: Sellers and real estate agents may face compliance costs and liability concerns if disclosure requirements are unclear or if flood risk assessments are expensive or subjective
  • Defining "flood risk": Disagreement may arise over what constitutes disclosable flood risk (FEMA flood zones only, or broader climate/stormwater risks) and whether historical or projected future risk should be included
  • Insurance and property value impacts: Disclosure requirements could depress property values in flood-prone areas, potentially affecting homeowners' equity and municipal tax bases, leading to opposition from affected communities

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

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