New Jersey’s flood disclosure law
Since March 2024, New Jersey requires sellers to tell buyers about a property’s flood history, flood-zone location and past flood insurance claims on a state form, and requires landlords to notify tenants about flood risk. Read the disclosure closely.
Check the maps yourself
Look up the address on FEMA’s Flood Map Service Center and New Jersey’s flood resources. Maps show modeled risk, not a guarantee, so also ask neighbors and look at the basement and grading.
Get an insurance quote early
If the home is in a high-risk zone with a federally backed mortgage, flood insurance is generally required. Quotes vary widely, so get one before the inspection deadline.
Mitigation features add value
Elevated utilities, sump pumps with backup, flood vents, proper grading and backflow valves reduce risk, and some may lower insurance costs.
Questions, answered
Do NJ sellers have to disclose flooding?
Yes. New Jersey law requires sellers to disclose flood history and flood-zone information on the state’s disclosure form.
General information, not legal, tax or lending advice. Rules change; confirm with your attorney, tax professional or lender.