Reserve law, state by state
Whether a reserve study is required, how often it must be updated, and what your annual budget has to disclose. Plain language, with the statute cited so your attorney can check our work — states appear here only after we’ve verified them against the primary source.
2
Require a study
0
Disclosure only
49
Awaiting review
StateStudy requiredUpdate everyBudget disclosureLast change
ALAlabamaNot yet reviewed———→AKAlaskaNot yet reviewed———→AZArizonaNot yet reviewed———→ARArkansasNot yet reviewed———→CACaliforniaYes3 yrsPercent funded + funding planJan 2025→COColoradoNot yet reviewed———→CTConnecticutNot yet reviewed———→DEDelawareNot yet reviewed———→DCDistrict of ColumbiaNot yet reviewed———→FLFloridaYes10 yrsSIRS summary + reserve scheduleJul 2025→GAGeorgiaNot yet reviewed———→HIHawaiiNot yet reviewed———→IDIdahoNot yet reviewed———→ILIllinoisNot yet reviewed———→INIndianaNot yet reviewed———→IAIowaNot yet reviewed———→KSKansasNot yet reviewed———→KYKentuckyNot yet reviewed———→LALouisianaNot yet reviewed———→MEMaineNot yet reviewed———→MDMarylandNot yet reviewed———→MAMassachusettsNot yet reviewed———→MIMichiganNot yet reviewed———→MNMinnesotaNot yet reviewed———→MSMississippiNot yet reviewed———→MOMissouriNot yet reviewed———→MTMontanaNot yet reviewed———→NENebraskaNot yet reviewed———→NVNevadaNot yet reviewed———→NHNew HampshireNot yet reviewed———→NJNew JerseyNot yet reviewed———→NMNew MexicoNot yet reviewed———→NYNew YorkNot yet reviewed———→NCNorth CarolinaNot yet reviewed———→NDNorth DakotaNot yet reviewed———→OHOhioNot yet reviewed———→OKOklahomaNot yet reviewed———→OROregonNot yet reviewed———→PAPennsylvaniaNot yet reviewed———→RIRhode IslandNot yet reviewed———→SCSouth CarolinaNot yet reviewed———→SDSouth DakotaNot yet reviewed———→TNTennesseeNot yet reviewed———→TXTexasNot yet reviewed———→UTUtahNot yet reviewed———→VTVermontNot yet reviewed———→VAVirginiaNot yet reviewed———→WAWashingtonNot yet reviewed———→WVWest VirginiaNot yet reviewed———→WIWisconsinNot yet reviewed———→WYWyomingNot yet reviewed———→Showing 51 of 51 statesNot legal advice. Always confirm with your association’s attorney.