If you look at Chitty Chatty, it's doesn't have ponds, it's an island in a swamp.
So no big surprise.
What is surprising is that my home here in St. James is rated a "9", extreme risk.
Yet homes a block away have zero ratings, and in reality I'm on a nice hill and have not ever seen any sign of water flooding issues - and no, I'm nowhere near a pond.
My mortgage didn't require flood insurance either, I think this used to be a cattle field.
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