All states + DC
Flood disclosure, state by state
Flood-specific disclosure
The statute or the state-mandated form has dedicated flood questions — flood-zone status, flood history, prior claims, or flood-insurance history.
General disclosure
A general property-condition disclosure captures flooding through a water/drainage or known-defect item, but has no dedicated flood-zone question.
Buyer-beware (caveat emptor)
No mandatory statutory seller disclosure. Common-law duties apply — the seller can't actively conceal or misrepresent a known defect, and must answer a direct question honestly.
No disclosure statute
No statewide seller property-condition disclosure statute identified. Common-law anti-fraud duties still apply.
Showing 51 of 51 jurisdictions. Click a column header to sort.
Reading the matrix
Why these categories — and why no red or green
The four levels describe legal regimes, not safety. A buyer-beware state isn't 'dangerous'; it shifts the burden onto the buyer to ask and to investigate.
“Flood-specific” means the statute or the state-mandated disclosure form has dedicated flood questions — flood-zone status, flood history, prior claims, or flood-insurance history. “General” means a property-condition form captures flooding through a broader water/drainage or known-defect item, but has no dedicated flood-zone question. “Buyer-beware” (caveat emptor) means no mandatory statutory disclosure — though a seller still can't actively conceal a known defect or lie in answer to a direct question. “None” means we identified no statewide seller property-condition disclosure statute at all.
Laws change — sometimes overnight, as Florida's HB 1049 and New York's 2023 amendment show. Each row carries its last-verified date and an honest confidence label. See Methodology for exactly how we classify and verify, and Changelogfor what we've updated.