Quote:
Originally Posted by andercat
My home backs to the Chitty Chatty Preserve. Is there any reason to get flood insurance? Does anyone know where the water in the creek that flows through the preserve drains? We are not in a flood plain but I'm worried.
Thank you for your advice.
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As Retired Guy suggested " if you are not in a flood plain" you do not need flood insurance even if you have a mortgage currently. In an AE flood Zone the risk is 1 % in any year but it can happen at any time. You are basically self insuring.
What I will describe is what you see using the Sumter County GIS information and your property address to get a visual on the flood zones in your neighborhood. ( I believe that Chitty Chatty is Sumter County.)
From a cursory look at the flood zones, it appears that there are low lying areas such as wetlands and retention ponds that are in Flood Zones. But I did not see any homes/building lots in flood zones.
1. Go to Sumter County appraiser website
2. Go to search records
3 input your name or address and "agree " to conditions and search.
4 On the right side you will see GIS Map and click on it.
5. On the left side click on Layers
Check parcel, major roads, flood zones both A and AE.
You should now see the flood zones in reddish and greenish colors.
6. Move the map around and expand locate the flood zones.
7 Once you see the nearest flood zone to your home, zoom in and maybe you will see an exit waterway. My guess is that there is no stream but the rainwater seeps into the ground in the wetlands. I live on a retention pond that can overflow to a large wetlands area. This wetlands has a ditch that runs under Morse and eventually reaches Lake Deaton. Ditches generally show as different vegetation in a satellite view map.
Try it. It will help you get comfortable with no flood insurance but there is no guarantee.