The National Association of Realtors (NAR) released an updated State Flood Disclosure Tracker to reflect recent changes in state laws requiring disclosure of property conditions, including prior flood damage. The update responds to a Federal Emergency Management Agency (FEMA) proposal that would require states to adopt a federal flood disclosure form as a condition for participating in the National Flood Insurance Program (NFIP). However, all 50 states and D.C. already require disclosure of known material property conditions — many of which include more detailed, flood-specific disclosures developed by state and local authorities. NAR opposes FEMA’s one-size-fits-all approach, citing unnecessary duplication, increased administrative burden and limited consumer benefit. Instead, NAR supports broader NFIP reforms, including the Flood History Information Act of 2024, which would require FEMA to share claims and disaster aid data directly with property buyers and renters.
Source: NAR; 5/30/2025