Does the seller have to
disclose flooding?
A calm, statute-cited decoder for US residential flood-disclosure law. Pick your state and see whether a seller must disclose, what triggers the duty, the penalties, and the opt-out gotchas. Free, no email, no countdown timers.
- All 50 states + DC
- Primary-source statute citations
- Zero inputs logged
The landscape
50 states + DCThere is no federal seller flood-disclosure law. Each state decides — and they differ widely:
41
jurisdictions require some seller flood disclosure
10
have no statutory mandate — common-law duties only
25 states put flood-specific questions on a mandated form. The decoder shows yours.
- No federal flood-disclosure mandate — state law governs
- 36 of 51 states primary-source verified
- FL HB 1049 + NY case studies, cited
- 41 states require disclosure · 10 don't
- 0 inputs logged · runs in your browser
- No countdown timers · no false urgency
The decoder
Pick your state. See the answer.
Four cards compose from a primary-source-cited dataset: disclosure required, what triggers it, penalties, and opt-out gotchas — plus a buyer's-rights view. Nothing is logged.
Nothing is logged. The decoder runs entirely in your browser and reads a primary-source-cited dataset — no account, no email.
Pick a state to see the answer.
You'll get four cards — whether the seller must disclose, what triggers the duty, the penalties, and any opt-out gotchas — plus a buyer's-rights view with a pre-closing checklist.
Flood-specific disclosure, General disclosure, Buyer-beware (caveat emptor), and No disclosure statuteare doctrinal categories — not “good vs. bad.”
All states + DC
The 51 jurisdictions, by disclosure level
Each state is tinted by how much its law requires — flood-specific, general, buyer-beware, or none. These are doctrinal categories, not 'good or bad.' Featured high-search states are ringed.
- ALBuyer-beware
Alabama
- AKFlood-specific
Alaska
- AZGeneral
Arizona
- ARBuyer-beware
Arkansas
- CAFlood-specific
California
- COGeneral
Colorado
- CTFlood-specific
Connecticut
- DEFlood-specific
Delaware
- DCGeneral
District of Columbia
- FLFlood-specific
Florida
- GABuyer-beware
Georgia
- HIFlood-specific
Hawaii
- IDGeneral
Idaho
- ILFlood-specific
Illinois
- INFlood-specific
Indiana
- IAFlood-specific
Iowa
- KSNone
Kansas
- KYFlood-specific
Kentucky
- LAFlood-specific
Louisiana
- MEFlood-specific
Maine
- MDGeneral
Maryland
- MABuyer-beware
Massachusetts
- MIFlood-specific
Michigan
- MNGeneral
Minnesota
- MSFlood-specific
Mississippi
- MONone
Missouri
- MTGeneral
Montana
- NEGeneral
Nebraska
- NVGeneral
Nevada
- NHFlood-specific
New Hampshire
- NJFlood-specific
New Jersey
- NMNone
New Mexico
- NYFlood-specific
New York
- NCFlood-specific
North Carolina
- NDGeneral
North Dakota
- OHGeneral
Ohio
- OKGeneral
Oklahoma
- ORFlood-specific
Oregon
- PAFlood-specific
Pennsylvania
- RIFlood-specific
Rhode Island
- SCFlood-specific
South Carolina
- SDFlood-specific
South Dakota
- TNGeneral
Tennessee
- TXFlood-specific
Texas
- UTBuyer-beware
Utah
- VTFlood-specific
Vermont
- VAGeneral
Virginia
- WAGeneral
Washington
- WVBuyer-beware
West Virginia
- WIGeneral
Wisconsin
- WYBuyer-beware
Wyoming
Explore
Everything on FloodDisclosure
Each surface is built on the same primary-source-cited dataset, re-framed for the question you actually have.
The state decoder
Pick your state and get the 4-card answer: disclosure required Y/N, what triggers the duty, the penalties, and the opt-out gotchas — each card citing the statute.
For buyers
Your rights re-framed from the buyer's side, plus a pre-closing checklist that works in every state — FEMA zone lookup, CLUE report, inspection, flood-insurance quote.
For sellers
What you must put in writing, when the duty attaches, and why a clean disclosure protects you from a later misrepresentation claim.
All 50 states + DC
A sortable matrix classifying every jurisdiction by disclosure level — flood-specific, general, buyer-beware, or none — with the controlling statute for each.
Methodology
How we classify the four disclosure levels, our primary-source-first citation hierarchy, and what 'verified' vs 'corroborated' means on each state row.
Sources
The federal/FEMA context, the FL HB 1049 and NY case studies, and the primary-source link for every state in the dataset.
How it works
Four steps, no black box
Every state row traces back to a statute or a state-published form you can open for yourself.
Pick your state
Start from the 51-jurisdiction picker. Each state is tinted by disclosure level — flood-specific, general, buyer-beware, or none. No good/bad coding — these are legal regimes.
Read the 4-card answer
Whether the seller must disclose, what triggers the duty, the penalties and buyer remedies, and any opt-out gotcha — composed from a primary-source-cited dataset.
Flip to buyer's rights
Re-frame the same data from the buyer's side, with a pre-closing checklist that holds in every state — FEMA zone lookup, CLUE report, inspection, insurance quote.
Open the source
Every state row links its statute or state-form source. We never ask for an email and nothing you do in the decoder is logged.
Jurisdictions mapped (50 states + DC)
Primary-source verified
With flood-specific disclosure
Inputs logged from the decoder
Calm, not alarm.
Buying or selling a home is stressful enough. We don't do scare-copy or disaster photos — just the rule in your state, the statute behind it, and the steps that protect you. No email, no countdown timers.
Common questions
Flood-disclosure FAQ
Plain-English answers, each grounded in the law as it actually stands.
Free · statute-cited · no email
Know the rule before you sign.
Run the decoder for your state, or browse the full 50-state matrix. Either way, you'll see the law and the source behind it.
FloodDisclosure is an information hub, not a law firm. Nothing here is legal advice — confirm with a licensed real-estate attorney or title professional in your state.