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Does Flood Insurance Transfer When You Buy a Home in Key West?
Can You Assume the Seller's Flood Insurance in Key West? Yes. Federal flood insurance policies through the National Flood Insurance Program (NFIP) are assumable by the buyer. If the seller has an existing NFIP policy, you can take it over at their grandfathered rate — premiums and all. In Key West,
Florida's New Flood Disclosure Law: What Key West Home Sellers Must Know
What does Florida's flood disclosure law require home sellers to do? Florida's amended Statute §689.302 (expanded by SB 948, effective October 1, 2025) requires residential sellers to provide buyers with a separate, standalone Flood Disclosure Form before or at the time the purchase contract is sign
Assumable Flood Insurance in Key West: The Question Every Buyer Must Ask
Can You Assume a Flood Insurance Policy When Buying a Key West Home? Yes — NFIP (National Flood Insurance Program) flood insurance policies are fully assumable. A buyer can take over the seller's existing policy at the seller's locked-in rate. In Key West, where new flood insurance policies routinel
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