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The decoder

The flood-disclosure decoder

Pick your state to see whether the seller must disclose flooding — and exactly what the law requires. Composed from a primary-source-cited dataset covering all 51 jurisdictions. Nothing is logged.

At a glance

  • Require disclosure41
  • No statutory mandate10
  • Flood-specific form25
  • Have an opt-out caution15

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.

High-search states

Flood-specific disclosure, General disclosure, Buyer-beware (caveat emptor), and No disclosure statuteare doctrinal categories — not “good vs. bad.”

How it works

Four steps

No black box — every number traces to a source.

  • Select your state

    Search or pick from all 50 states + DC. Each is tinted by disclosure level.

  • Read the four cards

    Required Y/N · what triggers it · penalties & remedies · opt-out gotchas.

  • Flip to buyer's rights

    The same data from the buyer's side, with a universal pre-closing checklist.

  • Open the source

    Every answer links the statute or state form. Confirm it for yourself.

Editorial review

Professional review in progress

We are recruiting a licensed real-estate attorney or title professional to review these summaries before this site applies for advertising. Until then, treat every page as informational only.