There is plenty of information regarding what Flood insurance covers, the limits, and the cost. Basically, flood insurance covers rising water but there are caveats such as 2 out of 3 adjacent properties must experience rising water (or something like that). I suggest you do your own research. Irma, which was either a cat 1 or tropical storm when it passed west of The Villages, dropped over a foot of precip on us. I believe a few homes in the northern area experienced some minor flooding. The vast majority of The Villages was fine. I live on a retention pond and the water rose to the top of the weir and stopped as the weir did it’s job.
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Originally Posted by jrref
After doing some searching this topic has been discussed but i would like to see what people think about flood insurance now that in recent years the weather has been more unpredictable.
In looking at the FEMA flood zone maps basically the ponds, perserves and lakes show as flood zones but not where the homes are.
I know we have a sophisticated storm water management system here in the Villages so the "risk" of flood is considered low.
That said, isn't flood insurance used to limit risk due to tidel surges and other bodies of water? If we ever got a storm that sat over the Villages for a week, for example and dumped 20 inches of rain on us and some homes flooded because the sewer system was overwhelmed wouldn't normal homeowners hurricane insurance cover this?
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