New York, New Jersey, and Pennsylvania have laws regarding flood risk disclosure which goes beyond whether or not flood insurance is going to be required by a lender. Realtors, Lenders, Attorneys, Home Buyers, Sellers, Landlords, and Renters all need to know what is required.  As the frequency and severity of major flooding events continues to rise across the country, and across the world, the importance of understanding flood risk will continue to dramatically increase. Flood risk must be disclosed when selling or renting real estate in New York, New Jersey, and Pennsylvania.  New York: In New York, if you're buying or selling a property, the seller is required to disclose whether the property is located in a high risk or a medium risk flood zone. This includes information about whether the property is in a Special Flood Hazard Area (SFHA), which is a high-risk zone for flooding. The seller needs to provide this information to the buyer, typically through a disclosure form ...