Funny about the flood insurance, just called about that today. I had inquired about this last year, and was told it was a good idea and was (as I recall) $140/yr. Called today, and was told $340/yr. Now I think there was a massive difference in coverage, and I know there was an increase in the NON FLOOD area coverage. You can check, but I think most of the Villages is in the NON FLOOD area.
Hope this helps.
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Pennsylvania, for 60+ years, most recently, Allentown, now TV. 
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