Quote:
Originally Posted by USOTR
Look and see what flood zone your new home will be in. I suspect it will not be in one that is likely to flood.
We moved into our new Villages home last year in September and where lucky enough to have back to back hurricane's. These homes are built to take the tropical winds the center of the state will receive, flooding is a non event.
So unless your on a retention pond, or lake, I would not think it is necessary.
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If wind damage causes a house to be damaged and water gets into the house, flood insurance will not cover it. Flood insurance will only cover damage caused by rising water. Rising water can be caused by excessive rainfall or a stormwater drain backup.
Note that, you can buy a rider to your homeowner's policy to cover damage from a sanitary sewer backup, which is not covered by flood insurance. The rider is usually a good idea.