Florida’s New Flood Disclosure Law: What Property Owners Should Know

Florida just passed a new law that will impact landlords and rental property owners starting October 1, 2025. If you own investment property here, it’s important to understand what’s changing.

What’s in the New Law

Under SB 948, landlords will be required to tell tenants if a property has had:

• Flood damage in the past

• Insurance claims related to flooding

• Any financial help received because of flood damage

This disclosure has to happen before the lease is signed on any rental agreement for a year or longer.

Why It Matters

If a landlord doesn’t share this information and the property later suffers major flood damage (50% or more of its value), tenants have the right to:

• End their lease within 30 days

• Get back any advance rent they’ve paid

For property owners, that means being proactive is key. Not disclosing could cost you more in the long run through lost rent and turnover.

The Investor Takeaway

Flood risk has always been part of owning property in Florida, but this law makes it even more important to do your homework:

• Research flood history before you buy

• Keep good records on claims and repairs

• Add disclosures to your lease paperwork so you’re covered

This law is designed to protect tenants, but it can also protect landlords who stay ahead of the curve. Transparency helps you avoid disputes and build better long-term tenant relationships.

Looking Ahead as an Investor

If you’re buying property in Florida, these rules are one more reason to work with someone who understands both the market and the legal landscape. I help investors evaluate properties not just for location and returns, but also for compliance with laws like this one.

📩 If you’re planning your next investment, let’s connect — I can help you find properties that make sense long-term and keep you ahead of the curve.