With the St. Johns River, its creeks and the Beaches, checking the Jacksonville flood zone for a home is a must before you close. Florida law now also requires sellers to disclose flood history. Here is what buyers should check.
What Should Jacksonville Buyers Know About Flood Zones? Quick Answer
Florida Statute 689.302 requires residential sellers to give buyers a separate flood disclosure at or before signing the contract. Since October 1, 2025, it must also cover any flooding the seller knows damaged the property during their ownership, flood insurance claims, and flood-damage assistance received from any source. Buyers should also check the FEMA flood zone, ask for any elevation certificate, and get a flood insurance quote before the inspection period ends.
Before You Close on a Jacksonville Home
- Read the seller’s flood disclosure delivered with the contract.
- Check the FEMA flood zone and ask your lender whether flood insurance is required.
- Ask for an elevation certificate; it can change flood insurance pricing.
- Get a flood insurance quote early, even outside high-risk zones. Riverfront, creekside and Beaches homes deserve extra attention.
- Review the survey for easements, drainage and bulkheads.
How Flood Issues Delay Jacksonville Closings
When a home is in a high-risk flood zone, lenders typically need proof of flood insurance before funding. Late insurance is one of the most common causes of pushed closings. Send your policy to your lender and to us as early as possible.
Related: the Jacksonville closing process.
Frequently Asked Questions
When did Florida’s flood disclosure law start?
October 1, 2024, and it was expanded October 1, 2025.
Is flood insurance required in Jacksonville?
Lenders usually require it in high-risk flood zones. Many owners elsewhere buy it anyway.
Does the disclosure replace an inspection?
No. Inspections, a survey and insurance quotes are still important.
Closing in Jacksonville?
Title Company of Florida handles title searches, title insurance and closings in Jacksonville. Close at our Jacksonville office at 9428 Baymeadows Rd, Suite 140, with a mobile notary, by remote online notarization, or by mail.
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General information only, not legal or tax advice. County procedures, deadlines and websites can change; confirm with the office named. Title Company of Florida is a Florida licensed title agency (License #G324751).
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