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House concurs in Senate changes to require FEMA map disclosure and insurance notice in property sales
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Summary
The House concurred in Senate amendments to H.106, which require sellers to provide a copy or link to FEMA flood insurance rate maps or state notice of unavailability and disclose whether flood insurance is maintained or required; the effective date was set to Sept. 1, 2025.
The Vermont House of Representatives on the floor concurred in a Senate proposal of amendment to H.106, an act concerning disclosure when selling real property located within a Federal Emergency Management Agency (FEMA) mapped flood hazard area.
Under the Senate amendment described on the floor, sellers must provide a physical or electronic copy or a digital link to the official FEMA flood insurance rate map for the community where the property is located, or provide notice that the flood insurance rate map is unavailable for that community. The amendment also requires disclosure whether the seller maintains or is required by federal or state law to maintain flood insurance on the property. The effective date in the Senate amendment was changed to Sept. 1, 2025 to allow for implementation.
Representative from St. Johnsbury reported committee testimony from Peter Tucker of the Vermont Association of Realtors and from a legislative council member. The committee reported a straw vote of 9-0-2 in favor of the Senate amendment and recommended support on the floor.
Formal action: the House suspended rules to take up H.106 for immediate consideration and then concurred in the Senate proposal of amendment by voice vote (recorded as ayes prevailing). The transcript does not include a roll-call tally on the floor.
The amendments are intended to promote transparency and ensure prospective buyers are notified of flood risk and insurance status; the bill’s proponents argued the changes will give buyers clearer notice of flood hazards in a community.
