Personally I think a person should purchase flood insurance if they would feel better having it. I think even though the Villages does an excellent job of draining the water to prevent flooding, there is always the possibility based on the position of your home. While we live at the top of a hill and don't feel the need to buy flood insurance, the people who live at the bottom of the hill may want to. Sometimes it rains really, really hard and the water pours down the hill behind our house like a small river and I've always thought if I lived at the bottom of the hill I would purchase flood insurance.
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