I have flood insurance for my peace of mind. Florida is a peninsula. There have been many areas here in Florida not in a high risk flood plain that got really slammed, and the majority of the people did not have flood insurance because they didn't think they would EVER flood.
With all the development in The Villages, there is more and more concrete and asphalt. Naturally, those do not soak up water but create more runoff. As for the expense: Insurance is expensive...period. That is, until you need it. It is a national program and they set the price, so it doesn't have anything to do with individual insurance companies.
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Lubbock, TX
Bamberg, Germany
Lawton, OK
Amarillo, TX
The Villages, FL
To quote my dad:
"I never did see a board that didn't have two sides."
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