The Connecticut State Legislature has introduced Senate Bill 9, aimed at enhancing transparency in real estate transactions involving properties located in flood-prone areas. Introduced on April 2, 2025, the bill seeks to address the growing concerns surrounding flood risks and the implications for homeowners and buyers.

The primary purpose of Senate Bill 9 is to mandate comprehensive flood risk disclosures from sellers of residential properties. Key provisions include requirements for sellers to disclose whether their property is situated in a Federal Emergency Management Agency (FEMA) designated floodplain, if it has previously received federal disaster assistance for flood damage, and whether flood insurance is currently in place. The bill also stipulates that sellers must provide information about any past claims for flood damage and the existence of an elevation certificate, which indicates how high a building is above the base flood elevation.

Notably, the bill has sparked debates among lawmakers and stakeholders. Proponents argue that increased transparency will protect buyers from unexpected financial burdens associated with flood damage, while opponents express concerns about the potential impact on property values and the real estate market. Amendments to the bill have been proposed to balance the need for disclosure with the interests of sellers, but discussions remain ongoing.

The implications of Senate Bill 9 extend beyond real estate transactions. Economically, the bill could influence the housing market by affecting buyer confidence and property values in flood-prone areas. Socially, it aims to empower consumers with critical information that could affect their long-term financial stability and safety. Politically, the bill reflects a growing recognition of climate change and its impact on local communities, positioning Connecticut as a proactive state in addressing environmental challenges.

As the bill moves forward, its significance will likely hinge on the outcomes of ongoing discussions and potential amendments. If passed, Senate Bill 9 is set to take effect on July 1, 2026, marking a pivotal shift in how flood risks are communicated in the real estate market.