On April 2, 2025, the Connecticut State Legislature introduced Substitute Bill No. 9, aimed at enhancing transparency in the rental market regarding flood risks. The bill mandates the development of a flood disclosure notice that landlords must provide to prospective tenants, detailing critical information about the flood history and risk associated with the rental property.

Key provisions of the bill require landlords to disclose whether the property is located in a Federal Emergency Management Agency (FEMA) designated floodplain, if it has been subject to flood damage, and whether flood insurance is necessary. The notice must also inform tenants about any previous federal or state disaster assistance received for flood damage and whether an elevation certificate is available for the property. Additionally, the bill stipulates that every rental agreement must include a notice advising tenants about the availability of flood insurance through FEMA's National Flood Insurance Program.

The introduction of this bill has sparked notable discussions among lawmakers and advocacy groups. Proponents argue that the bill is essential for protecting renters from unforeseen financial burdens associated with flood damage, especially in areas prone to flooding. They emphasize that informed tenants can make better decisions regarding their housing choices and insurance needs.

Opponents, however, raise concerns about the potential burden on landlords, particularly smaller property owners who may find compliance with the new requirements challenging. Some critics argue that the bill could lead to increased rental costs as landlords may pass on the expenses of compliance to tenants.

The implications of Substitute Bill No. 9 are significant, as it addresses a growing concern about climate change and its impact on housing. Experts suggest that increased transparency in rental agreements could lead to a more informed public, potentially reducing the number of tenants caught off guard by flood-related damages. As the bill progresses through the legislative process, its final form and the extent of its impact on Connecticut's rental market remain to be seen.

In conclusion, Substitute Bill No. 9 represents a proactive step towards safeguarding renters in Connecticut from the risks associated with flooding, while also igniting a debate on the balance between tenant protections and landlord responsibilities. The legislature's next steps will be closely monitored as stakeholders weigh in on the bill's potential effects.