Much of St. Augustine sits near the water, so checking the St. Augustine flood zone for a property is a must before you close. Florida law now also requires sellers to disclose flood information. Here is what buyers should know.
What Should Buyers Know About Flood Zones in St. Augustine? 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 St. Augustine Home
- Read the flood disclosure the seller provides with the contract.
- Check the FEMA flood zone and ask your lender whether flood insurance is required.
- Get an elevation certificate if one exists. It can affect flood insurance pricing.
- Get a flood insurance quote early, even if the home is outside a high-risk zone.
- Review the survey for easements, drainage and seawall issues.
How Flood Issues Affect Closing
Lenders typically require proof of flood insurance before funding when a home is in a high-risk flood zone. Late insurance quotes are one of the most common reasons St. Augustine closings get pushed. Start early and send your policy information to your lender and to us.
Related: documents needed for closing in Florida.
Frequently Asked Questions
When did Florida’s flood disclosure law take effect?
The seller flood disclosure took effect October 1, 2024, and was expanded on October 1, 2025.
Does the disclosure replace an inspection?
No. It is one piece of information. Inspections, surveys and insurance quotes are still important.
Is flood insurance required in St. Augustine?
Lenders usually require it for homes in high-risk flood zones. Many owners outside those zones buy it anyway.
Closing in St. Augustine or St. Johns County?
Title Company of Florida handles title searches, title insurance and closings for St. Augustine, St. Augustine Beach, Nocatee, Ponte Vedra and all of St. Johns County. Sign with a mobile notary near you, by remote online notarization, or by mail, and we record electronically with the county.
Learn more about our St. Augustine title company services.
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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