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FloridaSB 9482025SenateWALLET

Flood Disclosures

Sponsored By: Jennifer Bradley (Republican)

Signed by Governor

AppropriationJudiciaryRegulated IndustriesRulesHouse Calendar

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Bill Overview

Analyzed Economic Effects

3 provisions identified: 3 benefits, 0 costs, 0 mixed.

Flood disclosures protect long-term renters

Beginning October 1, 2025, landlords must give tenants a separate “FLOOD DISCLOSURE” before or when signing a rental agreement lasting at least one year. It covers known flooding, flood insurance claims including NFIP claims, and flood aid including FEMA assistance. The form defines flooding and warns that standard renters’ insurance generally does not cover flood damage. If a landlord fails to disclose and flooding damages a tenant’s belongings by at least 50% of their market value on the flood date, the tenant can end the lease by giving written notice and surrendering the home within 30 days. The landlord must refund prepaid amounts for later periods, but the tenant still owes amounts due before termination.

Mobile home renters get flood protections

Beginning October 1, 2025, mobile home park owners must give lessees a separate “FLOOD DISCLOSURE” before signing or at occupancy, whichever comes first. It covers known flooding, flood insurance claims including NFIP claims, and flood aid including FEMA assistance. The form defines flooding and warns that standard homeowners’ and renters’ insurance generally does not cover flood damage. If the owner fails to disclose and flood damage to the home and belongings costs at least 50% of their market value on the flood date, the lessee can give written notice to end the agreement within 30 days. The owner must refund prepaid amounts for periods after termination; the lessee remains liable for amounts owed before termination.

Homebuyers get flood history disclosures

Beginning October 1, 2025, home sellers and condominium or cooperative developers must give buyers a separate form titled “FLOOD DISCLOSURE” at or before signing. It reports known flooding during ownership, flood insurance claims including NFIP claims, and flood aid including FEMA assistance. The form defines flooding to include overflow, rapid runoff from established water sources, and standing water that lasts after rain. It warns that standard homeowners’ insurance generally does not cover flood damage and advises buyers to ask about separate coverage.

Sponsors & Cosponsors

Sponsor

  • Jennifer Bradley

    Republican • Senate

Cosponsors

  • Judiciary

    Affiliation unavailable

  • Rules

    Affiliation unavailable

Roll Call Votes

All Roll Calls

Yes: 194 • No: 0

House vote • 4/29/2025

House Floor Vote

Yes: 114 • No: 0

Senate vote • 4/9/2025

Senate Floor Vote

Yes: 37 • No: 0

Senate vote • 4/1/2025

Rules Vote

Yes: 24 • No: 0

Senate vote • 3/25/2025

Regulated Industries Vote

Yes: 8 • No: 0

Senate vote • 3/12/2025

Judiciary Vote

Yes: 11 • No: 0

Actions Timeline

  1. Chapter No. 2025-166

    6/23/2025

  2. Approved by Governor

    6/20/2025

  3. Signed by Officers and presented to Governor

    6/18/2025

  4. Ordered enrolled

    4/29/2025Senate

  5. CS passed; YEAS 114, NAYS 0

    4/29/2025House

  6. Read 3rd time

    4/29/2025House

  7. Added to Third Reading Calendar

    4/29/2025House

  8. Placed on 3rd reading

    4/29/2025House

  9. Read 2nd time

    4/29/2025House

  10. 1st Reading (Engrossed 1)

    4/28/2025House

  11. Bill added to Special Order Calendar (4/29/2025)

    4/28/2025House

  12. Bill referred to House Calendar

    4/28/2025House

  13. In Messages

    4/9/2025House

  14. Immediately certified -SJ 392

    4/9/2025Senate

  15. CS passed as amended; YEAS 37 NAYS 0 -SJ 384

    4/9/2025Senate

  16. Read 3rd time -SJ 384

    4/9/2025Senate

  17. Amendment(s) adopted (788766) -SJ 383

    4/9/2025Senate

  18. Read 2nd time -SJ 383

    4/9/2025Senate

  19. Placed on Special Order Calendar, 04/09/25

    4/3/2025Senate

  20. Placed on Calendar, on 2nd reading

    4/3/2025Senate

  21. CS/CS by Rules read 1st time

    4/2/2025Senate

  22. Pending reference review -under Rule 4.7(2) - (Committee Substitute)

    4/2/2025Senate

  23. CS/CS by- Rules; YEAS 24 NAYS 0

    4/1/2025Senate

  24. On Committee agenda-- Rules, 04/01/25, 9:00 am, 412 Knott Building

    3/27/2025Senate

  25. Now in Rules

    3/26/2025Senate

Bill Text

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