7 yrs ago we placed an offer on a modular in the Historic section that is on the large water feature that had the island and waterfalls facing 27/441. During negotiations, we were checking the insurance and sure enough, that was considered a flood zone. Not only was the insurance higher due to modular, but excessive due to the "flood zone". Ridiculous. Man-made, villages controlled but still required.
Since then we get all the costs before we negotiate.
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