Florida association ratings

Know the association behind the address.

Independent ratings for Florida COA and HOA communities. FCCA turns financial stability, operating performance, records quality, governance, and risk context into one clear outcome.

See the process Who benefits Watch the story

A beautiful property tells you almost nothing about the association behind it.

FCCA helps reveal what matters underneath.

The rating

Gold, Silver, Bronze and Unrated.

FCCA

Why Florida needs this

Florida communities are facing a new era of scrutiny.

Buyers, owners, lenders, insurers, and boards all need an answer to the same question: how financially and operationally sound is this community?

FCCA is the not-for-profit built to help answer it.

1.5M+condominium units across Florida

27,000condominium associations statewide

Millionsof residents affected by community decisions

What is behind the rating

What Is Behind the Rating

FCCA does not ask the market to interpret scattered records alone. The rating process brings the most important association records, finances, operations, governance, and risk context into one organized view.

FCCA

Rating Lens

Five evaluation areas

Financial Stability

Reserve position, budget discipline, liquidity, and special-assessment context.

Operating Performance

Expense trends, maintenance planning, management practices, and execution indicators.

Records Quality

Completeness, reliability, currency, and consistency of the submitted record.

Governance

Transparency, oversight, board practices, vendor controls, and decision records.

Risk / Context

Insurance, legal, engineering, safety, compliance, and other qualitative context.

FCCA in motion

See the rating story in motion.

These short-form videos make the public-facing message immediate: community association risk is real, the records matter, and FCCA creates a clearer way to understand financial stability and operating performance.

Financial soundness

Is your community financially sound?

A direct sizzle piece that frames the core question FCCA helps boards, buyers, lenders, and insurers answer.

Florida context

Association risk is visible at community scale.

Condominium communities are complex assets. FCCA makes the underlying records, planning, and governance easier to understand.

Expert perspective

Structured review creates a clearer conversation.

Short expert-led content reinforces that FCCA ratings are grounded in evidence, expertise, and consistent criteria.

For associations

Turn good governance into a credential.

FCCA helps well-run associations make their financial discipline, governance, and operating practices visible to owners, buyers, lenders, insurers, and the broader market.

Strengthen Confidence

Give owners and prospective buyers an independent view of association health.

Demonstrate Discipline

Turn strong financial and governance practices into a recognizable credential.

Identify Opportunities

Surface areas where additional attention or improvement may strengthen the community.

How FCCA ratings work

Clear steps. Clear rating outcome.

Association Intake

Records and information are submitted through FCCA's secure process.

Data & Financial Review

Financial health, operating performance, records, and governance are analyzed.

Expert Review

Qualified professionals review the findings using consistent criteria.

Rating Outcome

The association receives its place within the Gold, Silver, Bronze, and Unrated outcome framework.

Ongoing Confidence

The rating becomes a clearer reference point for the market.

See the rating process

Who uses it

Who Benefits

FCCA gives boards, owners, buyers, sellers, realtors, lenders, and insurers a clearer starting point before relying on association information.

AssociationsBuyersSellers & Listing AgentsLendersInsuranceOwners

Condominium association agreement documents

For Associations & Boards

Turn good governance into a credential.

Boards can point to a third-party rating instead of asking owners, buyers, lenders, and insurers to interpret scattered records on their own.

Ask about special pricing available September 15 through December 31, 2026.
Demonstrate fiscal responsibility with an independent rating outcome.
Strengthen owner confidence with an objective record.

Special pricing available

If you are interested in having your association rated, you may be eligible for the September 15 through December 31, 2026 discount.

FCCA for Associations & Boards

Couple reviewing finances before a home purchase

For Buyers

Know what you are buying before you close.

Buying into a COA or HOA means buying into its finances, reserves, insurance exposure, and board decisions. FCCA gives buyers an independent read in plain terms.

See where the association fits within the Gold, Silver, Bronze, and Unrated outcome framework before reading hundreds of pages.
Understand reserve funding and insurance coverage sooner.
Ask sharper questions about financial records, safety, governance, and compliance.

FCCA for Buyers

For Sellers & Listing Agents

Give a listing a credential buyers can verify.

In a market wary of special assessments and reserve shortfalls, a current FCCA rating helps a listing lead with stability, not just square footage.

Market stability, not just square footage.
Reduce deal friction by answering trust questions earlier.
Speed up due diligence with a ready-made association record.

FCCA for Sellers & Listing Agents

Lender and buyer shaking hands at a table

For Lenders

A consistent, comparable framework for underwriting.

Association-level risk is hard to standardize across a portfolio. FCCA turns scattered financial and governance records into a comparable rating framework.

Apply consistent financial, records, governance, and risk review across associations.
Review association-level risk through a structured rating category, score summary, demonstrated strengths, recommendations, and reserve context.
Watch emerging risk through recommendations and best practices included in each notification.

FCCA for Lenders

For Insurance Companies

Underwrite with a clearer view of risk and governance.

Insurers need more than a checklist. FCCA's qualitative review surfaces how well an association manages risk day to day.

Use structured risk and governance data across submissions.
Review safety compliance, milestone inspections, SIRS, and life-safety practices.
Add claims and coverage context from declarations, loss runs, and claims history.

FCCA for Insurance Companies

Condo owner standing outside a Florida condominium community

For Owners

Confidence that your community is financially and operationally sound.

Owners get a plain-language view of whether records, planning, governance, and community health are being handled with discipline.

Point discussions back to an objective record.
Understand strengths, risks, and priorities without translating raw documents alone.
See where the community can keep improving over time.

FCCA for Owners

See all audiences

Special pricing