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NPR Investigation: Florida Is A Hot Spot For Government Homes Sold In Flood-Prone Areas

House on stilts next to a car sitting in driveway
Steve Newborn
Larry Alvarez of Hudson said he was not aware a house he bought earlier this year is in a floodplain.

Florida saw the highest number of HUD homes sold in floodplains, according to an NPR analysis of several years of data. The 529 homes reflect 12% of all of the sales HUD made in the state over several years.

A new NPR investigation found that the U.S. Department of Housing and Urban Development is disproportionately selling homes in areas prone to flooding. More than 500 in the past few years were sold in Florida: 112 of them in the greater Tampa Bay region.

NPR found the federal agency often doesn't fully disclose the potential danger to buyers.
And in some cases, the homes are being rented out, or have been resold to new buyers who were unaware of the risks. In addition to potential flooding, these homes could run into problems, such as mold backed-up sewers or septic tanks, or compromised water systems.

The NPR analysis shows that between 2017 and 2020, HUD sold nearly 100,000 homes across the nation, many the result of foreclosures on homes with federally insured mortgages. Florida, Louisiana and New Jersey, however, stand out for the number of homes sold in floodplains.

The highest number sold in floodplains in a single state — 529 — were in Florida, and it reflected 12% of all of the sales it made in the state during that period, according to the NPR analysis. The sales span 50 of the state’s 67 counties.

South Florida, with 235 recorded sales, had the largest concentration of these homes in the state. The 112 homes sold in the greater Tampa Bay region were most prevalent in Pinellas County, but NPR found sales stretching from Sarasota County to the south to Hernando and Polk Counties to the north and east.

ALSO READ: The Government Sells Cheap Houses. In South Florida, They're Also In Flood Zones

In recent weeks, reporters from WUSF and WLRN checked on dozens of the homes in South Florida and the Tampa Bay region. Visits in coastal Pasco and Pinellas counties found streets in front of several homes with standing water — even though it hadn't rained that day.

In coastal Pasco County, many of the homes were located on the west side of U.S. 19, which already is in a flood zone and among the first places in the region to be evacuated during storms.

One of those homes is in Hudson, a stone's throw from wetlands fronting the Gulf of Mexico. Larry Alvarez bought this trailer up on stilts in January 2021, from a company that purchased the home from HUD. Alvarez says he was never told he might have to flee his home during a major storm.

“They told me that it was no flood zone,” he said. “Because when I asked them a specific thing that I don't want, they told me that it was a no flood zone at all.”

Housing and climate experts say the risk of buying such homes will only grow in Florida and across the country. The effects of climate change increase the risk of stronger storms and higher storm surge.

Steve Newborn is a WUSF reporter and producer at WUSF covering environmental issues and politics in the Tampa Bay area.
Almost every day, I come before the microphone with the same enthusiasm as the Dani Rojas character in the “Ted Lasso” television series. I do 100 pushups, take some laps around the house, thank my supervisors and audience for giving me the opportunity to do what I love, bellow “Radio is liiiife” from the back steps, and bound back to my garret and get to work.