This Is Florida · Life · For residents and visitors
Florida Sinkholes: Warning Signs, Risk Areas, Maps, and What to Do if Your Yard Drops
How to recognize possible sinkhole activity, understand Florida's geology, find a qualified professional, and tell catastrophic ground cover collapse apart from sinkhole-loss coverage.
Ground dropping right now? Put safety first
If life or property is in immediate danger, the Florida Geological Survey FAQ says to call 911. Leaflet 20, the survey's homeowner guide, says that when a sinkhole is actively forming: evacuate, contact local fire, police, or emergency management, contact the insurance company, and contact a licensed professional geologist or engineer.
Stay off recently depressed ground. Do not get close to an open hole. The guide says the edges may collapse. Do not walk or drive over ground that has just dropped, and do not go to the edge to see how deep it is.
A small change can still matter. Leaflet 20 says even a small amount of settling can disrupt utility lines, crack foundations, and damage property. A depression is also not automatically a sinkhole. The survey lists several other causes, and the cause has to be established before a repair is chosen.
This page does not carry a photograph. A picture of a collapse somewhere else is not evidence that a reader's property is in immediate danger.
What to do if a hole opens in a Florida yard
1. Stay away from the opening
Leaflet 20 says not to drive or walk over recently depressed areas, and not to get close to open holes because the edges may collapse. Keep people, pets, and vehicles back. The February 2026 Department of Financial Services guide says to provide for personal safety and evacuate if necessary, and to mark the area with fencing, rope, or tape so other people can see the danger.
The survey's FAQ says a sinkhole next door is usually an isolated event, though Florida sinkholes sometimes occur in sets. It suggests a careful look at one's own yard for sinking or soft ground. It also says that unless the neighbor's hole is very large and reaches the property, there is likely little reason for concern. That is not a reason to walk up to either opening.
2. Notify the right people
For immediate danger, call 911. Otherwise, Leaflet 20 and the Department of Financial Services guide both say to contact the city or county building inspection department, and to notify the property insurer or agent promptly. The U.S. Geological Survey says to contact the utility if gas, electric, water, or sewer lines may be affected, and to rule out leaky underground pipes and old buried material before treating every hole as a natural sinkhole. Make that call from stable ground. Do not cross unstable ground to reach a valve.
3. Document from stable ground
For a personal record, note when the change was first seen, where it is, and whether it appears to be growing. Take photographs only from ground that is still firm. Keep reports, notices, claim letters, and later repair papers. That is a practical record. It is not a reason to delay leaving an unsafe building or to approach an unstable edge.
Do not pour water into the hole to see where it goes. The Florida Geological Survey says water flowing into a sinkhole can enlarge it.
What does a sinkhole look like?
There is no single appearance. The survey's FAQ describes three forms seen in Florida:
| Type | What the Florida Geological Survey says |
|---|---|
| Solution sinkhole | Usually where there is little or no sediment over the limestone. The rock dissolves at or near the ground surface, or along joints and other openings. |
| Cover-subsidence sinkhole | Where thick permeable sediments cover the limestone. Sediment ravels downward into the void. The surface often shows a gentle circular depression, sometimes over years. |
| Cover-collapse sinkhole | Sediment over a void collapses suddenly and leaves a hole at the ground surface. The first opening may keep growing for minutes, hours, or days. Heavy rain can prolong that. |
The Department of Financial Services guide says the size of the underground void affects how wide, how deep, and how abrupt the sinkhole becomes. It also says debris can plug the outflow, pond water, and create wetlands. Some depressions hold water. A pond-like shape still needs a cause. Rain alone does not define a sinkhole. Leaflet 20 says a sinkhole forms when surface sediments settle, wash, or collapse into a void in dissolving carbonate rock such as limestone.
Possible warning signs around a home
Leaflet 20 lists these as signs to evaluate. It says many, but not all, warning signs are on the list, and that more than one sign together may indicate a potential sinkhole. The list is a reason to investigate. It is not a self-diagnosis.
| Where to look | What Leaflet 20 names |
|---|---|
| Yard | Cracks in soil, sagging ground, soil slumping, cracks or depressions, exposed rock that is not normally visible |
| Drainage | Pooling water, changes in surface drainage, water pooling under the house or along the foundation |
| Trees and landscaping | Leaning trees, vegetation, or structures that used to be upright; dead or dying vegetation, foliage, and grass |
| Paved surfaces | Cracks or separation of paved surfaces |
| Outside the building | Cracks in exterior walls or the foundation |
| Inside the home | Cracks in walls or floors; floors becoming uneven or sloped; windows and doors becoming difficult to open or close; water leaks; creaking or popping; nails beginning to stick out; cabinets and drawers becoming uneven or hard to operate; displaced moldings and wall trim |
| Utilities | Broken water, utility, or sewer lines |
Cover-collapse is described as sudden. The guide's list is incomplete on purpose. Do not wait for one particular crack pattern before leaving a building that is shifting, cracking suddenly, or making alarming structural noises. The four-part insurance definition of catastrophic ground cover collapse, later on this page, is not an evacuation checklist.
Florida sinkhole maps: what a dot can and cannot tell you
Start with the Florida Geological Survey Subsidence Incident Reports page. That page links to Map Direct and explains the database. A point in that database is a reported subsidence incident. It is not automatically a confirmed sinkhole.
The survey says a reported depression commonly has not been verified by a licensed professional geologist, and the cause is often unknown. Most incidents have not been field-checked. There was never a legal requirement that every sinkhole, or every insurance claim, be entered. Reports are voluntary. The data the FAQ describes run from 1954 to the present. Reports tend to cluster where people live and where roads and houses make a depression obvious. Holes in fields and forests can go unseen or unreported.
The survey's data disclaimer says many records have not been field-checked, many locations have not been verified, and the apparent precision of the data may far exceed the actual accuracy.
| What the map shows | What to conclude |
|---|---|
| A report near a property | Find out what was reported and whether a professional confirmed the cause. The dot is a reported subsidence incident. |
| No nearby report | That dataset shows no incident. It is not proof that none exists or ever occurred. |
| Several reports in a neighborhood | Historical context where people reported depressions. It is not a calculation of the chance that one house will collapse. |
| A point that looks as if it sits on a parcel | Check the location and the record before assigning the event to that property. The survey says implied accuracy may far exceed actual precision. |
A susceptibility map is not a timetable
The survey's sinkhole research page describes a statewide vulnerability map based on natural geologic conditions. The FAQ says there is no ready reference that predicts sinkhole risk for a person, and that it is not possible at this time to predict exactly when and where a sinkhole will develop. Favorable geology describes conditions. It does not schedule a collapse at one house.
An empty search must never be turned into a "sinkhole-free property" badge. This page does not attach a "covered" label to a photograph, a symptom, or a property.
Who to call
| Situation | Starting point from the cited page |
|---|---|
| Active collapse, or life or property in immediate danger | 911. The Florida Geological Survey FAQ says to call 911 in that case. Leaflet 20 also says to evacuate and contact local fire, police, or emergency management. |
| General Florida sinkhole questions | Florida Geological Survey Sinkhole Helpline, 850-245-2118. The survey says this line clarifies the FAQ, answers further questions, and gives verbal guidance. It is not emergency dispatch, and it does not send a government inspection crew. |
| Possible building damage or an unsafe building | The city or county building department, local emergency management, the insurer, and a licensed professional geologist or engineer. |
| Insurance questions or a claim dispute | Florida Department of Financial Services, Division of Consumer Services, 1-877-693-5236. The contact page lists assistance from 8:00 a.m. to 5:00 p.m. ET, Monday through Friday. |
| Water, sewer, gas, or electrical lines | The responsible utility. The U.S. Geological Survey tells property owners to contact that utility when those lines may be affected. |
| A depression in a public road | The city, county, or state agency that maintains that road, and 911 when it is immediately dangerous. The survey says to cordon off a hole in a street, call law enforcement, and call the city or county road department. On a private road, repair is usually the landowner's or the association's responsibility. |
The Department of Environmental Protection sinkhole page says the department does not inspect possible sinkholes. The FAQ goes further: no government agency has the responsibility or authority to inspect a private sinkhole on request, and a hole on private property is the owner's responsibility. Calling the helpline does not arrange a publicly funded engineering study or a repair.
For one local example, Hillsborough County tells people to report a possible sinkhole or roadway depression on a road or other public land, to call 911 if it is an emergency, and lists Public Works at 813-635-5400. That is a Hillsborough County route. It is not a statewide repair line.
The survey encourages a subsidence incident report so the event can be added to the research database. Filing that report does not confirm the cause and does not arrange a repair.
Not every sinking spot is a sinkhole
Leaflet 20 and the survey FAQ name other causes that can look like sinkhole activity:
- Utility main breaks or leaks, and storm-drain breaks or leaks
- Septic-tank collapse
- Underground rotting stumps and rotten roots
- Erosion from runoff off roofs, driveways, or roads
- Buried construction and landscape debris, or buried trash
- Soil that was poorly compacted after excavation
- Clay or organic layers that compress when water is removed
The survey uses "subsidence incident" for a reported depression whose cause has not been verified as a true sinkhole. Subsidence means the ground sank or settled. It does not, by itself, mean dissolving limestone did it. A depression over an old septic tank needs a different investigation from a geological void. A photograph cannot reliably separate those problems. The U.S. Geological Survey says the same thing in shorter form: rule out leaky pipes and buried material first, and the Survey does not investigate an individual sinkhole on private property.
Why Florida has sinkholes
The survey's main sinkhole page says sinkholes are one karst landform among others that occur in Florida, including caves, disappearing streams, springs, and underground drainage. Karst is the terrain produced when limestone or dolostone, Florida's two most common carbonate rocks, dissolves. Slightly acidic groundwater can enlarge cavities over many years. When sediment above a cavity collapses or ravels downward, the land surface can sink.
The FAQ says much of the bedrock under Florida contains cavities, and that very few of them collapse in a way that affects a road or a house. Living on karst carries some risk. Most people are never affected by a developing karst feature.
A sinkhole is not simply a hole caused by one rainstorm. The underground openings usually developed over a much longer time. Rain, drought, and pumping can trigger movement where those openings already exist.
Where sinkholes are more common in Florida
The survey's FAQ answers "Is there a safe area of Florida with no chance of sinkholes?" with "Technically, no." Carbonate rock underlies the entire state, so a sinkhole could theoretically form anywhere. The same answer says risk is considerably higher in definite regions: where limestone is close to the surface, or where deeper limestone has a water-table elevation, rock sequence, and aquifer character that favor activity. Statewide geological possibility is not statewide equal risk. A lower-risk region is not a reason to ignore a yard that is actively settling.
The Department of Financial Services February 2026 guide says many areas of central and north Florida have soil, sediment, and rock near the surface sitting on limestone or similar material.
As county orientation, the University of Florida Florida Museum overview, published December 14, 2020, says sinkholes show up most in Central Florida counties such as Pasco, Hernando, Hillsborough, Marion, and Pinellas, "to name a few," and that those problems have been dubbed "Sinkhole Alley." That is an educational overview and an informal name. It is not a current ranking of insured losses, and it is not a claim that every parcel in those counties has the same risk. "Sinkhole Alley" is not a boundary between dangerous land and safe land. A county name does not replace a property-specific assessment.
Rain, drought, and hurricanes
The survey FAQ lists probable triggers: drought, construction and earth-shaping, blasting, heavy loads on the ground, heavy rainfall, and heavy groundwater pumping. It says a private residential well is typically not enough, by itself, to lower the water table enough to cause sinkholes. It also says activity is greatest after a dry period followed by a return to normal rainfall. A large rain can weigh the soil down. When drought or heavy pumping has left underground voids full of air instead of water, that buoyancy is gone, and the weight of the rain-soaked ground can collapse into the void.
Leaflet 20 says changes in the water table from drought, heavy rainfall, or pumping can cause sinkholes. It also says concentrated drainage, including lakes and stormwater ponds, land clearing, surface loads, and excavation can increase the chance. For Tropical Storm Debby in June 2012, the leaflet says record rain after months of drought was followed by more than 300 sinkholes documented from 186 subsidence incident reports. The research page says that event, after a multiyear drought, led the Florida Division of Emergency Management to contract the survey in 2013 for a vulnerability map. Those figures are the leaflet's account of documented reports from that storm. The database caveat still applies: most subsidence incidents in the statewide file have not been field-checked.
The survey's December 2024 News and Research says that after Hurricanes Debby, Helene, and Milton there was a clear uptick in subsidence incidents reported in Florida. Those are reports. The article does not say every post-storm depression was a confirmed sinkhole. The same article says heavy rainfall, particularly after a prolonged dry period, can cause cover-subsidence and cover-collapse sinkholes.
There is no fixed "sinkhole season" on the survey's pages. A calendar month does not make a property safe, and it does not make every new hole geological. After flooding, keep a new unexplained depression separate from ordinary cleanup until it has been assessed. Leaflet 20 says not to ignore warning signs and not to act without a licensed professional geologist or engineer. Do not treat a new hole as a low spot that only needs a load of fill.
Related weather pages on this site: flood cleanup, hurricane prep, hurricane watch, king tides, and Florida weather.
Who can determine whether it is a sinkhole?
The survey FAQ says licensed home inspectors and insurance adjusters are not trained or qualified to determine whether a sinkhole or sinkhole activity is present. A licensed professional geologist is required to determine whether a sinkhole or sinkhole activity is present. A licensed professional engineer's expertise is required to determine whether a structure is safe or whether structural damage has occurred. The U.S. Geological Survey says a property owner may need a professional geologist or a geotechnical engineer to determine what is happening and how to address it.
The FAQ says an investigation can include ground-penetrating radar, electrical-resistivity surveys, and soil borings, used by experts. It also says the results may be affected by the local geology and the elevation of the water table, and that they are not always conclusive. One scan is not a complete answer, and the survey says the exact time and place of a future sinkhole cannot currently be predicted.
A useful question for the professional is: what does this investigation establish, what does it leave uncertain, and what further work is needed before the area is used or repaired?
The Department of Financial Services buying guidance says a home inspector can help look for signs such as cracks in the foundation or walls, and that a four-point inspection normally does not address sinkhole potential. Noticing a crack and determining the geological cause are different jobs.
Filling, disposal, and water around the house
Do not make filling the first response to a new, unexplained, or expanding hole, especially near a building, pool, driveway, or utility. Leaflet 20 says not to take action without a licensed professional geologist or engineer.
The survey FAQ says small holes often require only clean sand or soil, and that a sinkhole on a large property that is not actively developing and is not affecting an activity can be left alone. If people or animals could fall in, it says the depression can be filled with clayey sand or clean fill, or fenced. That sentence is not permission to approach an active collapse, to fill a hole under or beside a building, or to hide structural damage. If the hole is under or very near a structure or a swimming pool, the FAQ says the owner's insurance may cover assessment and repair. "May" is the survey's word. If sinking, sagging, or cracking walls show that the hole is affecting a building, the FAQ says to stay out and call the insurer.
What must never go into it
The FAQ says not to fill a sinkhole with trash, chemicals, organic material, or anything that could decompose or release toxins. Sinkholes can connect to groundwater. It says to use native earth materials or concrete, and it describes a common sequence: broken limestone or a concrete plug at the bottom, clayey sand above that to slow water, then sand and topsoil. Do not fill the hole with water.
The same answer says a permit is generally not needed to fill a new sinkhole, with important exceptions. Filling in a wetland, or filling that would alter surface-water flow or contribute to water pollution, may require an environmental resource permit from the water management district or the Department of Environmental Protection. If a sinkhole opens in a structure that was built under that kind of permit, such as a stormwater pond, the permit requires the owner to report it. Ask the district or the department before work in those situations.
For a damaged building, the repair question is wider than the visible hole. When testing verifies a sinkhole loss, section 627.7073, Florida Statutes, calls for the professional engineer's recommendations on stabilizing the land and building and repairing the foundation. That is a claim-report requirement when the statutory process applies. It is not a finding that a particular yard hole is a covered loss.
Reducing avoidable water problems
Leaflet 20 lists steps that can reduce the risk: fix leaking plumbing immediately, send gutter and driveway runoff away from buildings, avoid overwatering the lawn, and add soil to low spots so surface water does not pool. Those steps address water the owner can control. They do not remove the limestone, and the survey says a future sinkhole still cannot be predicted exactly.
Florida sinkhole insurance: two different coverages
Do not assume a homeowners policy pays whenever a sinkhole is found. The Department of Financial Services says not every homeowners policy covers sinkhole damage to a home, and that Florida law does require coverage for catastrophic ground cover collapse. The legal text and the actual policy both matter. This page does not promise payment for testing, filling, landscaping, temporary housing, or repairs.
1. Catastrophic ground cover collapse
Section 627.706, Florida Statutes (2025), says every insurer authorized to transact property insurance in this state must provide coverage for a catastrophic ground cover collapse. The statute defines that as geological activity that results in all four of the following:
- The abrupt collapse of the ground cover.
- A depression in the ground cover clearly visible to the naked eye.
- Structural damage to the covered building, including the foundation.
- The insured structure being condemned and ordered to be vacated by the governmental agency authorized by law to issue that order for that structure.
The same paragraph says damage consisting merely of the settling or cracking of a foundation, structure, or building does not constitute a loss resulting from a catastrophic ground cover collapse.
The February 2026 Department of Financial Services guide repeats those four conditions. It says that if any of them is missing and the policy does not include sinkhole coverage, the insurer will likely not pay. That is the guide's wording. It is still not a determination for one claim.
This definition is an insurance test. It is not a reason to stay in an unsafe building until condemnation paperwork arrives. Leave if the building is unsafe.
2. Sinkhole loss coverage
Section 627.706 says the insurer shall make sinkhole-loss coverage available for an appropriate additional premium, to the extent the policy form provides. The insurer may require an inspection before issuing it. The Department of Financial Services guide says a company must offer sinkhole coverage, and that it may decline to provide that coverage if geological testing shows sinkhole activity on the property or within a certain distance of it. If the company does insure the home, the guide says the policy must still include catastrophic ground cover collapse coverage.
The statute defines sinkhole loss as structural damage to the covered building, including the foundation, caused by sinkhole activity. Contents coverage and additional living expenses apply only if that structural damage exists. The definition is not "there is a hole somewhere on the lot."
"Structural damage" in section 627.706(2)(k) is a technical list tied to the Florida Building Code, including floor or foundation displacement beyond stated limits, leaning load-bearing walls, a significant likelihood of imminent collapse, or substantial structural damage as the code defines it. The Department of Financial Services guide puts the idea in plainer words: there must be damage to the home's structural support that significantly affects structural integrity or makes imminent collapse likely. It says a crack across an interior wall, or floor tiles popping up, may not be structural damage as the statute defines it. A visible defect can still be a reason to investigate. It does not, by itself, qualify for payment.
Policies that exclude sinkhole losses must tell the policyholder, in bold type of at least 14 points, that the policy covers a catastrophic ground cover collapse that leaves the property condemned and uninhabitable, that it otherwise does not cover sinkhole losses, and that additional sinkhole-loss coverage may be purchased for an additional premium.
A hole only in the yard
Do not assume a yard-only hole meets the building-damage test. Ask the insurer which policy provision applies to the actual loss. A utility washout or another non-sinkhole cause needs its own coverage reading. The survey FAQ says insurance may pay for testing in some settling cases, and that in many cases insurance may not cover damage from settling caused by something other than a sinkhole.
The deductible
Section 627.706 says a residential property policy may include a sinkhole-loss deductible of 1 percent, 2 percent, 5 percent, or 10 percent of the policy dwelling limits, with premium discounts for each amount. That percentage is of the dwelling limit named in the statute. Read the declarations and the endorsement before assuming how the share of a repair bill would be calculated.
What the claim investigation statute requires
Section 627.707 sets investigation standards after a claim for a sinkhole loss to a covered building. The insurer must inspect to see whether structural damage may be the result of sinkhole activity. If structural damage exists and the insurer cannot identify a valid cause, or the damage is consistent with sinkhole loss, the insurer must engage a professional engineer or professional geologist for the testing in section 627.7072, only if sinkhole loss is covered under the policy. Except for the cost-sharing rules below, the insurer pays those professional fees.
If sinkhole-loss coverage is available and the insurer denies the claim without that testing, the policyholder may demand the testing in writing. The demand must reach the insurer within 60 days after the policyholder receives the denial. The policyholder pays 50 percent of the actual costs of the analyses and services, or $2,500, whichever is less. The insurer reimburses the policyholder if the insurer's engineer or geologist certifies a sinkhole loss under section 627.7073. That is one claim procedure. It is not a deadline for every kind of notice, and it is not free testing for every hole in a yard.
A separate sentence in the same section can require a policyholder to reimburse up to $2,500 of testing cost when the policyholder demanded the testing, the professional certifies there is no sinkhole loss, the claim was submitted without good-faith grounds, and the insurer warned of that possible reimbursement and gave a chance to withdraw the claim before ordering the work.
Section 627.706(5) says a sinkhole claim, including a supplemental or reopened claim, is barred unless notice is given to the insurer, under the policy's terms, within 2 years after the policyholder knew or reasonably should have known about the sinkhole loss. Report promptly. This page is not that notice.
If a sinkhole loss is verified, section 627.707 says the insurer pays to stabilize the land and building and to repair the foundation according to its professional engineer's recommendations, subject to the coverage and terms of the policy. The statute also sets contracting deadlines, payment timing, and a rule against repair rebates. Those duties apply when the loss is verified and the coverage applies. They are not a promise about an unverified hole.
If there is a disagreement
Section 627.7074 creates neutral evaluation. It is available to either party if a sinkhole report has been issued under section 627.7073. Neutral evaluation is nonbinding, and it is mandatory if either the policyholder or the insurer requests it. The insurer pays the reasonable costs of the program. A party that chooses a court reporter or stenographer pays that cost. The evaluator, an engineer or a professional geologist who meets the statute's qualifications, addresses causation, stabilization and repair above and below ground, and the costs.
The February 2026 Department of Financial Services guide says that if the company denies the claim, or there is disagreement about whether a sinkhole caused the damage or about the repair method, the law entitles the policyholder to participate in this program. Read section 627.7074 for when a report is required and when the insurer must give notice of the right. The program does not mean every private expert, lawyer, or other expense is paid.
For questions about eligibility, testing, or a dispute, contact the Division of Consumer Services at 1-877-693-5236, 8:00 a.m. to 5:00 p.m. ET, Monday through Friday.
Buying a Florida home with possible sinkhole history
A careful look and a useful map are starting points. They do not replace the property's own records. The Department of Financial Services February 2026 guide recommends these steps:
- Call an insurance agent to find out whether the home is insurable.
- Check with city or county officials about recent sinkhole activity in the area.
- If sinkhole coverage is wanted, tell the agent and confirm that the coverage is in the policy or a rider.
- Hire a home inspector who can help identify signs such as cracks in the foundation or walls.
- Consider sinkhole testing. An insurer may require testing before it grants coverage. A four-point inspection normally does not address sinkhole potential.
| Ask about | Records worth requesting |
|---|---|
| Previous ground movement | Geological or engineering reports and what they actually found |
| Past claims | Whether a sinkhole claim was paid, and the report that went with it |
| Repairs | What was repaired, permits, and any engineer's certification that the work was done |
| Present condition | Whether anyone has said the ground is still moving, and any unresolved damage |
| Insurance | Whether sinkhole-loss coverage is available at this address, the inspection the insurer wants, and the deductible on the declarations |
That is a due-diligence list. It is not a claim that every document exists for every property.
The paid-claim disclosure rule
Section 627.7073(2)(c) says the seller of real property upon which a sinkhole claim has been made by the seller and paid by the insurer must disclose to the buyer, before closing, that a claim has been paid and whether or not the full amount of the proceeds was used to repair the sinkhole damage. The survey FAQ describes that statute the same way and notes that statutes can change, so the current text should be checked.
The same section says an insurer that has paid a sinkhole-loss claim files the report and certification with the county clerk of court, who records them. After building stabilization or foundation repairs for a verified sinkhole loss, the engineer who monitored the repairs issues a report to the owner and files a copy for recording. The statute says recording the report does not, by itself, create a lien or a title defect. This is a narrow claim-and-repair rule. It is not a complete list of every disclosure a seller may owe. Have an unresolved transaction question reviewed before closing.
A "remediated" mark on a county map
Hillsborough County is one place that publishes its own symbols. The Hillsborough County Property Appraiser says a green "S" means the office assumes the property has been remediated, because a subsidence-remediation permit was completed or the owner notified the office that it was remediated. The office says users should seek independent verification from a licensed engineer, and it does not guarantee the data are free of error. A red "S" means an owner provided an engineering report that the property has been affected by subsidence. The same FAQ says a search that shows no history does not guarantee that subsidence does not exist now or did not exist before. Read the map's own definitions. The colors are not a warranty, and they are not a coverage decision.
Other buying pages on this site: moving to Florida, homestead exemption, home and pool laws, hurricane building codes, and Florida laws. For a building that may be unsafe, see emergency contacts.
The rule to remember
Treat new ground movement as a safety problem first, a diagnosis second, and an insurance question third.
A small amount of settling can still damage utilities and a foundation. A depression still needs a cause before anyone calls it a confirmed sinkhole. A map dot is a reported subsidence incident. An empty map is an empty search in that dataset. A policy summary is not a payment. The building gets left when it is unsafe, whether or not a condemnation order has been written.
Questions people ask
What does a Florida sinkhole look like?
There is no single appearance. The Florida Geological Survey describes solution sinkholes, where carbonate rock dissolves at or near the surface; cover-subsidence sinkholes, which can form a gentle circular depression as sediment moves downward over a longer time; and cover-collapse sinkholes, which open when overlying sediment collapses suddenly. Some depressions hold water. The Department of Financial Services guide says debris can plug the outflow and pond water. A photograph cannot establish the cause.
Where are sinkholes more common in Florida?
The Florida Geological Survey says sinkholes could theoretically form anywhere, because carbonate rock underlies the whole state, and that risk is considerably higher where limestone is close to the surface or where the water table, rock layers, and aquifer favor activity. A University of Florida Florida Museum overview names Pasco, Hernando, Hillsborough, Marion, and Pinellas among Central Florida counties where sinkholes are most often seen, and it uses Sinkhole Alley as an informal name for that area. County names are orientation. They do not rank insured losses, and they do not mean every parcel in those counties has the same risk.
What should I do if a hole opens in my yard?
If life or property is in immediate danger, the Florida Geological Survey says to call 911. Its homeowner guide says to evacuate when a sinkhole is actively forming, and to contact local fire, police, or emergency management, the insurer, and a licensed professional geologist or engineer. Stay off recently depressed ground and back from the opening, because the guide says the edges may collapse. Do not put water into the hole. The survey says incoming water can enlarge it. If a water, sewer, gas, or electrical line may be involved, contact that utility from stable ground.
Is every sinking spot in Florida a sinkhole?
No. The Florida Geological Survey lists look-alikes: broken utility or storm-drain lines, a collapsed septic tank, rotting stumps and roots, erosion from roof, driveway, or road runoff, buried construction or landscape debris, poorly compacted fill, and clay or organic layers that compress as water leaves. The broader word is subsidence. A subsidence report does not establish that dissolving limestone caused the hole.
Does my homeowners policy pay for a Florida sinkhole?
Do not assume that it does. Section 627.706, Florida Statutes, requires authorized property insurers to cover catastrophic ground cover collapse only when all four conditions occur: the ground cover collapses abruptly, the depression is clearly visible, the covered building including its foundation has structural damage, and the legally authorized government agency condemns the structure and orders it vacated. Settlement or cracking alone does not meet that definition. Insurers must make sinkhole-loss coverage available for an additional premium. That coverage is defined as structural damage to the covered building, including the foundation, caused by sinkhole activity. A hole only in the yard does not, by itself, meet that definition. The Department of Financial Services says a wall crack or displaced floor tiles may not meet the structural-damage test. Read the policy. This page does not decide a claim.
Can a sinkhole map show that my property is sinkhole-free?
No. The Florida Geological Survey's Subsidence Incident Reports are voluntary reports. Most have not been field-checked, the cause is often unverified, and many locations have not been verified. The survey says the implied accuracy of the data may far exceed the actual precision. No dot nearby means that dataset shows no report. It does not mean a sinkhole never formed. The survey also says the exact time and place of a future sinkhole cannot currently be predicted.
Sources checked November 7, 2026
This Is Florida guide for Florida residents and visitors. Geology pages are Florida Geological Survey and Department of Environmental Protection publications. Insurance pages are the Florida Statutes and the Department of Financial Services. Alerts, inspections, licenses, and claim decisions stay with the agencies named here.
- DEP and Florida Geological Survey: Sinkholes. The department does not inspect possible sinkholes. Helpline 850-245-2118.
- Sinkhole FAQ, Florida Geological Survey. Page last modified August 31, 2026.
- Leaflet 20, A Homeowner's Guide to Sinkholes in Florida, L. Hannon and C. Kromhout, P.G., February 2023.
- Subsidence Incident Reports and the data disclaimer. The reports page links to Map Direct.
- Sinkhole research, including the Tropical Storm Debby 2012 vulnerability-map history.
- FGS News and Research, December 2024, "Hurricane Season and Associated Uptick in Reported Sinkholes."
- Section 627.706, section 627.707, section 627.7073, and section 627.7074, 2025 Florida Statutes.
- DFS consumer guide, Sinkholes and Catastrophic Ground Cover Collapse, February 2026, and Consumer Services contact hours.
- University of Florida Florida Museum, "Sinkholes: What are they? How do they form?", December 14, 2020.
- USGS: I have, or think I have, a sinkhole on my property. What should I do? Updated February 4, 2025. Also What is a sinkhole?
- Hillsborough County Property Appraiser, subsidence FAQs.
- Hillsborough County: report a possible sinkhole or depression. Public Works, 813-635-5400.