What was your flood factor? Mine was a 5, which it said there is a chance it might flood at least once in the next 38 years. I'm nowhere near a pond or water. I didn't get a mortgage but my homeowners insurance never asked about it.
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Find Your Home'''s Flood Risk | Flood Factor
On the Sumter County Flood Zone Map my area is in the white, which is good, so I'm not worried. South of 44 looks like a lot of the area is flood zone.
FEMA Flood Hazard Areas Map of Sumter County, FL | PropertyShark.com