Connecticut enacts flood disclosure requirements for residential real estate sales

Connecticut's Senate Bill 9 is making waves as it aims to enhance transparency in real estate transactions within flood-prone areas. Introduced on April 28, 2025, the bill mandates that sellers disclose critical flood-related information to potential buyers, addressing a pressing need for clarity in the housing market amid increasing climate-related risks.

The bill outlines ten specific disclosures that sellers must provide, including whether the property is located in a Special Flood Hazard Area, if flood insurance is required, and any history of flood damage claims. This initiative seeks to protect buyers from unexpected financial burdens and to promote informed decision-making in real estate purchases.

Debate surrounding Senate Bill 9 has been robust, with proponents arguing that it is essential for consumer protection and public safety. Critics, however, express concerns about the potential impact on property values and the real estate market, fearing that stringent disclosure requirements could deter buyers from investing in affected areas.

The implications of this legislation are significant. As climate change intensifies, the frequency and severity of flooding are expected to rise, making such disclosures increasingly relevant. Experts suggest that this bill could set a precedent for other states grappling with similar issues, potentially reshaping how real estate transactions are conducted nationwide.

As the bill moves forward, it is poised to take effect on July 1, 2026, giving sellers time to adjust to the new requirements. The outcome of this legislation could redefine buyer-seller dynamics in Connecticut, ensuring that flood risks are front and center in real estate discussions.