Flood & Evacuation Info: What Navarre Sellers Should Share

Selling your Navarre home? Buyers will ask about flood risk and evacuation long before they fall in love with the porch. With Florida’s new flood disclosure rules, sharing clear, local information protects you and keeps your closing on track. In this guide, you’ll see exactly what to provide, where to get it in Santa Rosa County, and how to package it for a smooth sale. Let’s dive in.

Florida flood disclosure rules

The mandatory form

Florida now requires a state Flood Disclosure for residential sales. You must give the completed disclosure to the buyer at or before contract signing. The statute, Florida Statutes §689.302, directs the form to:

• Advise that standard homeowners insurance does not cover flood damage.
• Ask if you know of any flooding that damaged the property during your ownership.
• Ask if you filed any flood-related insurance claims or received assistance for flood damage.

Timing and accuracy

Several provisions took effect starting in 2024, with updates following in 2025. For the most current details, check the statute and the latest association guidance, such as Florida Realtors’ summary of new laws. Complete the disclosure honestly and keep a copy. Missing or inaccurate information can lead to delays, disputes, or worse.

Navarre flood and evacuation basics

Find the flood zone

FEMA’s Flood Insurance Rate Maps are the baseline for floodplain rules and insurance. Start with FEMA’s overview of flood insurance and mapping tools, then pull the official panel for your parcel. Learn more on FEMA’s flood insurance page. Santa Rosa County’s Floodplain Management office maintains elevation certificates, Letters of Map Change, and other records that help buyers and lenders verify risk. You can request records through Santa Rosa County Floodplain Management.

Evacuation zone and routes

Santa Rosa County publishes address-specific evacuation zones, shelter lists, and the AlertSantaRosa notification system. Confirm your property’s zone and nearest primary routes using the county’s “Know Your Zone” resources and share them with buyers. Start here: Santa Rosa County emergency updates and Know Your Zone. For properties on Navarre Beach, note the Navarre Beach Causeway as a potential choke point during storms, when bridges or low-lying roads can close.

Insurance and local CRS discounts

Santa Rosa County participates in FEMA’s Community Rating System. Community participation can reduce NFIP premiums for policyholders in participating areas. You can point buyers to FEMA’s overview of CRS participation and discounts. Also remind buyers that new NFIP policies typically have a 30‑day waiting period unless an exception applies. For coverage basics, direct them to FloodSmart’s “What’s covered” page.

What to include in your seller packet

Create a simple, factual packet that makes underwriting easy and builds buyer confidence. Keep digital copies ready to share.

Primary documents

• Completed Florida Flood Disclosure form required by §689.302.
• Elevation Certificate, if available. If you do not have one, note whether the county has a copy and how to obtain it through Santa Rosa County Floodplain Management.
• Flood insurance declarations page, if you carry NFIP or private coverage. This shows current coverage, dates, and limits. See coverage basics at FloodSmart.
• Flood-related insurance claims history, including claim numbers, dates, insurer, and paid or denied status.
• Repair permits, contractor invoices, and remediation records for any flood damage.
• Letters of Map Change (LOMA/LOMR), if applicable, plus any county correspondence.

Helpful extras

• FEMA map panel or county map excerpt showing the current zone and any published Base Flood Elevation.
• Evidence of mitigation, such as elevation, engineered flood vents, freeboard above BFE, storm shutters, or permitted seawall work.
• Any county brochures or notes that reflect local CRS participation and potential insurance impacts.

Evacuation info buyers expect

Include a one-page summary so buyers can plan quickly.

• Your property’s evacuation zone with a screenshot or printout from the county’s “Know Your Zone” tool. Reference: county evacuation and AlertSantaRosa.
• Primary evacuation route(s) from the home, typical choke points, and inland alternatives.
• Nearest public shelters and whether they accept pets or serve special needs.
• How to sign up for AlertSantaRosa and where to find county storm updates.

Help buyers verify quickly

• Check the official FEMA map panel for the parcel and review flood insurance basics on FEMA’s flood insurance page.
• Look up the property’s evacuation zone and local shelter info through Santa Rosa County resources.
• Request flood insurance quotes early. New NFIP policies typically have a 30‑day waiting period, and premiums depend on zone and elevation. See FloodSmart’s overview.
• Contact Santa Rosa County Floodplain Management for elevation certificates, Letters of Map Change, and property-specific records.

Reduce risk and keep your closing on track

• Complete the Florida Flood Disclosure accurately and keep it in your file.
• Gather flood and evacuation documents before you list, and share a clean digital packet with buyers.
• If prior flood damage was repaired, include permits, invoices, and photos that show the work and any mitigation.
• Set clear expectations on evacuation logistics, especially for properties that rely on the Navarre Beach Causeway or other low-lying roads.

Ready to prepare a complete, buyer-friendly packet for your Navarre sale? Get local guidance and a customized plan with William Maybin.

FAQs

Navarre home sellers: do I have to complete Florida’s flood disclosure?

• Yes. Florida requires a written Flood Disclosure for residential sales, delivered at or before contract signing under §689.302.

What counts as “flooding” under Florida’s disclosure law?

• Flooding includes storm surge, overflow of inland or tidal waters, surface runoff, and prolonged standing water, not just events that triggered an insurance claim.

How do I find my property’s evacuation zone in Navarre?

• Use the county’s resources for “Know Your Zone,” shelter info, and AlertSantaRosa sign-up here: Santa Rosa emergency updates and Know Your Zone.

Will a buyer’s lender require flood insurance for my home?

• Lenders typically require flood insurance if the structure is in a Special Flood Hazard Area; buyers paying cash are not required by a lender but still face risk.

Where can I get an Elevation Certificate in Santa Rosa County?

• Check with Santa Rosa County Floodplain Management for archived certificates or guidance on obtaining one.