United States

Reserve and disclosure rules, state by state.

The rules your HOA or condo actually lives under depend on what state the association sits in. This is the map of what we've written so far — plain-language law explainers, community snapshots, and budget guides, indexed by state. Jump to your state, or tell us which one to cover next.

13 states covered 29 law explainers 52 communities 2 national guides

Interactive map

Find your state — 13 covered so far

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Full index

All 50 states and DC — detail view

Covered states stay at the top. Blank rows are still our gap map — click one to request coverage and we'll move it up.

State Reserve study Laws Communities Last updated
Arizona None 1 1 May 2026
California 3 yr 1 5 Apr 2026
Colorado None 1 3 Apr 2026
Delaware 5 yr 3 2 Apr 2026
District of Columbia None 1 3 Apr 2026
Florida 10 yr 2 21 May 2026
Maryland 5 yr 4 3 Apr 2026
New Jersey 5 yr 4 2 May 2026
North Carolina None 2 May 2026
Pennsylvania None 4 2 Apr 2026
Texas None 1 4 Apr 2026
Virginia 5 yr 4 3 Apr 2026
Washington 3 yr 1 3 Apr 2026
Alabama No statute → None
Alaska No statute → None
Arkansas No statute → None
Connecticut No statute → None
Georgia No statute → None
Hawaii Request coverage → 3 yr
Idaho No statute → None
Illinois No statute → None
Indiana No statute → None
Iowa No statute → None
Kansas No statute → None
Kentucky No statute → None
Louisiana No statute → None
Maine No statute → None
Massachusetts No statute → None
Michigan No statute → None
Minnesota Request coverage → 3 yr
Mississippi No statute → None
Missouri No statute → None
Montana No statute → None
Nebraska No statute → None
Nevada Request coverage → 5 yr
New Hampshire No statute → None
New Mexico No statute → None
New York No statute → None
North Dakota No statute → None
Ohio No statute → None
Oklahoma No statute → None
Oregon Request coverage → 1 yr
Rhode Island No statute → None
South Carolina No statute → None
South Dakota No statute → None
Tennessee Request coverage → 5 yr
Utah Request coverage → 3 yr
Vermont No statute → None
West Virginia No statute → None
Wisconsin No statute → None
Wyoming No statute → None

Guides

National guides — the same in every state

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Reserve laws

Most recent law explainers across United States

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Delaware

Delaware HOA and condo board meeting notice rules, in plain language

How Delaware's Uniform Common Interest Ownership Act handles board meeting notice for all community types — a 10–60-day statutory window, mandatory quarterly meetings, open meetings after developer turnover, and a 60-day window to challenge improperly noticed actions.

Del. Code tit. 25, § 81-308A — Delaware Uniform Common Interest Ownership Act, executive board meetings
Delaware

Delaware condo reserve funding rules, in plain language

How Delaware's Uniform Common Interest Ownership Act and legacy Unit Property Act handle condominium reserves — with minimum-percentage budget allocations, a reserve-study framework, and phase-in timelines for older communities — and what that means for a condo board, owner, or buyer.

25 Del. C. ch. 81 — Delaware Uniform Common Interest Ownership Act (§§ 81-103, 81-315, 81-324); 25 Del. C. ch. 22 — Unit Property Act (§§ 2244–2246)
Maryland

Maryland condo board meeting notice rules, in plain language

How Maryland's Condominium Act handles board meeting transparency — open meetings required, executive session votes must be individually recorded in the next meeting's minutes, and notice for board-only meetings is delegated to bylaws.

Md. Code, Real Property Art. § 11-109, § 11-109.1 — Maryland Condominium Act, meetings and executive sessions
Maryland

Maryland HOA board meeting notice rules, in plain language

How Maryland's Homeowners Association Act handles board meeting transparency — a mandatory open meeting requirement, eight enumerated executive session categories, and a notice standard deliberately set as 'reasonable' with no day count.

Md. Code, Real Property Art. § 11B-111 — Maryland Homeowners Association Act, meetings

Communities

Featured United States HOA snapshots

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