EVERYBODY is in a "flood zone". What changes is the risk. Whether you are within the 100 year risk area, 500 year risk area, etc.
You can check the most current maps by visiting
www.sumtergis.com (assuming you are in the Sumter County portion of The Villages) and clicking on the '100 year flood zone' layer on the right pane of the page and then typing your address or last name into the search box on the left pane. The portions that show up in a bluish/purple are the areas within the 100 year flood zone.
Sumter County is in the process of updating these maps with the help of the Southwest Florida Management District.