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Originally Posted by TNLAKEPANDA
I handled Flood Claims for over 20 years and I can tell you had Hurricane Ian made landfall in Tampa lots of people living in the Villages would have had water in their home. No area can handle 24 inches of rain. All the homes are on a slab and not elevated.
The ponds would over flow and there would be massive street flooding. Our home is the highest on the street in the front but the back is a different story and if you have a pool it would overflow as well. I would suggest that if you live on a pond you might want to consider flood insurance and also if your street or yard has ever flooded in a heavy rain. The maximum coverage on the dwelling is $250k and on contents it is $100k. That should pretty much cover any damage that you might receive. Flood Insurance is a government program and the cost is the same no matter if you buy it from NFIP or from a carrier like Allstate, State Farm, USAA etc. The cost is based on your Flood Zone and your Elevation. You can obtain both from FEMA or your agent.
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Thanks to you and Midwiz for confirming my gut feel we were at signification risk of flooding if Irma hit Tampa.