I was reading that scientists say that disrupting natural drainage patterns, such as when you put in man-made ponds etc. (golf courses) can aggravate sink hole problems when you are in an area such as The Villages, and this part of Florida, that is prone to sink holes. This is a link to a sinkhole information page put out by Lake County Fl. It has some good information about why sinkholes form. We do live in an area that is prone to sinkholes, so it pays to watch for warning signs such as cracks, etc., that are not part of normal settlement. And I would definitely get sinkhole insurance if you can.
Sinkhole Information - Water Quality Services - Environmental Utilities