cappy:
I personally cannot see any need for flood insurance. Unless you're living along a river (none in Alhambra, to my knowledge), or a major lake (no major lakes there, either), then it seems unnecessary!
And, consider, that almost every body of water within the confines of The Villages, has been lower than ever seen in the last several years all year!
Just my gut feeling!
Welcome to TV!
SWR
