Real Estate Flood Disclosure Program
To participate in the Real Estate Disclosure Program, complete the Real Estate Disclosure brochures for the properties you are representing and provide them to your clients, then submit them via the online form.
Real estate agents are in an ideal position to inform buyers about a property’s flood risk and if flood insurance is required. The Pinellas County Real Estate Flood Disclosure Program is a joint effort between the County and its real estate professionals, through the Pinellas Realtor Organization (PRO), which covers the entire county, including its municipalities.
There are three main components to the program:
- Flood Information and Disclosure Brochure, which includes a fillable section for real estate professionals to enter the property’s flood risk, evacuation level and insurance requirement information.
- Real Estate Flood Disclosure App, containing all of the information needed to complete the brochure.
- Flood Disclosure and Map Service Classes, providing instruction about how to use the online Pinellas County Flood Map Service to obtain flood information and how to complete the brochure. Training sessions, taught by County staff in coordination with PRO twice a year, also cover flood hazards, flood zones, evacuation zones, property protection, building regulations, preparedness and flood insurance.
Real estate professionals provide completed brochures to clients to advise them about the flood hazard and flood insurance purchase requirements.
Coastal Barrier Resources Act (CBRA)
The Coastal Barrier Resources Act (CBRA) and its amendments prohibit most new federal expenditures that tend to encourage the development or modification of coastal barriers. The main prohibition affecting property owners is the prohibition on federal flood insurance. Examples of prohibited federal assistance within System units include subsidies for road construction, channel dredging and other coastal engineering projects.
Federal flood insurance through the National Flood Insurance Program is available in a CBRS unit if the building was constructed (or permitted and under construction) before the CBRS unit’s effective date. If an existing insured structure is substantially improved or damaged, the federal flood insurance policy will not be renewed.
- Real Estate Disclosure Program Participation Submittal for CRS credit: Online Form / Printable Form
- Real Estate Disclosure Program Participation Letters: Broker or Agent
- Real Estate Flood Information and Disclosure Brochure – En Español
- Real Estate Disclosure Program Training – Basics
- Real Estate Disclosure Program Training – Essentials
- Real Estate Disclosure Program Training – Handout
- Pinellas County Flood Information Presentation
- Pinellas County Program for Public Information
- Pinellas County New Owner Information