A non-intrusive flow detector consists of an optical sensor assembly that attaches non-obstructively and non-invasively to a fluid flow meter. The sensor monitors dial movement of a least flow dial or wheel and generates an electrical signal representative of a flow through the meter. Electrical circuitry having an adjustable timing circuit is used to selectively detect either excessive flow during a predetermined time period or the absence of flow after a predetermined time period. The electrical circuitry is adapted to connect to an existing alarm system and may be housed either near the meter in a separate enclosure or placed in an existing alarm panel.