The Villages is anywhere between 70 to 110 feet above sea level (not exact). I came from an area that was 5 feet above seal level, and had flood insurance every year. I never had to use it. I was paying $400 a year. I don't see why they would charge that much here, given the higher elevation. I would suspect that if one is near a lake and/or in a lower lying area, they might have a concern, plus with the climate changing, we may be getting stronger storms and more rain. Find out if your area is prone to flooding. The decision is all yours.
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