Florida Leads in HOA Filings, Highlighting Community Action

In 2025, Florida led the U.S. with 49,447 HOA and condo-association lien filings, over one-sixth of the national total of 284,933, up 8.5% from 2024. The rise is linked to Florida's high concentration of HOAs, increased insurance costs, and new safety laws after a deadly condo collapse. These laws require inspections and reserve funding, revealing deferred maintenance costs. Homeowners face higher bills and challenges with restrictive HOA rules.