Florida Flood Disclosure Rules
Debary, Florida Flooding on Dogwood Trail after August 2008s Tropical Storm Fay
Florida Has No Statutory or Regulatory Flood Disclosure Rules
And 20 other states earn a failing grade on transparency, according to a new National Resources Defense Council rating of property rules.
Flooding in a Sanford, Florida neighborhood in September of 2017
Debary's Bouganvilla Avenue in summer 2008
Some 21 states have no rules requiring owners to reveal a property’s flood history, according to a newly updated rating by the Natural Resources Defense Council, a New York-based non-profit advocacy group. That’s down only one from 2018, when NRDC did its first disclosure report.
A makeshift dam was constructed along one of Debary's main thoroughfares in the summer of 2008, Highbanks Road, to hold back floodwaters from upscale communities built in what had once been wetlands.
Sunset at the Highbanks landing during a 2017 flood. The road and boat ramp disappear into the rising St. Johns River.
“homeowners are [too often] shocked years after a purchase because they didn't know their home carried flood risk,” said Matthew Eby, executive director of the First Street Foundation, a non-profit that is trying to make the impact of climate change more transparent for individual property owners. The foundation recently released maps estimating current and future financial risks to every residential property in the U.S.
Many potential flooded properties exist around Deltona Florida's Lake Theresa and Lake Karnes
Upscale Debary Golf and Country Club suffered some of the worst flooding in 2008
A "No Swimming" sign warns waders away from this flooded golf course in Debary, Florida (2008).
But Scata says that waiting for each state to experience their own Harvey is not wise. Instead, NRDC advocates that the National Flood Insurance Program, the federal program that writes 95 percent of residential flood policies, to “mandate that each state have an in depth disclosure law as a requirement.”
Fishing the flood on the St. Johns River, 2017.