Flood Insurance & Disclosure in Manatee & Sarasota
Flood risk and insurance are part of almost every serious offer on the Gulf Coast. Use this hub to understand disclosure rules, what buyers underwrite, and where to go next — then get a quote from a licensed insurance agent before you commit.
Luis Odon, REALTOR® · Keller Williams Coastal Living II
(941) 993-8311 · Book a call · Contact
Start here
| Resource | Why it matters |
|---|---|
| Florida flood disclosure law (Oct 2025) | What sellers must disclose and what buyers should ask |
| Florida homeowners insurance for buyers | How flood sits alongside wind, HO-3/HO-6, and quotes |
| 2025 hurricane season & insurance (Manatee–Sarasota) | Local context after recent seasons |
| Rate Watch: insurance cuts (Oct 26, 2026) | Recent statewide insurance rate-cut notes (verify current quotes) |
How I help (and what I don’t)
- I help you ask the right questions — flood zone on the listing, elevation certificates when available, disclosure timing, and how flood premiums change the monthly payment.
- I don’t sell insurance — premiums and eligibility come from a licensed agent / NFIP or private flood carrier. Always get your own quote before removing contingencies.
- Pair with Tools — run payment scenarios on Tools (mortgage / affordability / closing costs) once you have a quote in hand.
Related buying & selling links
Next step
Book a free 15-minute call · Text (941) 993-8311 · Contact form
Luis Odon, REALTOR® · Keller Williams Coastal Living II · 5391 Lakewood Ranch Blvd N, Suite 100, Lakewood Ranch, FL 34240 · (941) 993-8311
Equal Housing Opportunity. Each office independently owned and operated. Flood zones, premiums, and coverage change; this page is educational only — confirm with FEMA maps, survey/elevation docs, and a licensed insurance professional.