Any flood or flood insurance issues in
 

Pine Ridge?

I think flood insurance is a very misunderstood type of insurance. You might go to FloodSmart.gov for some information provided by FEMA.
You might also want to talk to an insurance agent for more information, as well. If you have a mortgage, chances are your mortgagee will
require it.

My personal opinion is that the developer does not put enough fill prior to building. We have had a problem with our yard flooding up to the
house because the lot was not properly graded. Many homes have had this problem. The company who did the initial grading had to come back
twice to fix the problem. Our neighbors had even more of a problem. I can't remember exactly what the Villages' rule is regarding the drainage
of a property, but they are very specific about the amount of time that has to pass before they consider what you would call flooding, a problem.
Ask your agent about this.

No matter where I have lived, and I've moved many times, I have never been without flood insurance, and most of the time I have not lived
in a flood zone.

I always purchase a Flood Policy for my first year of ownership no matter where the house was located. It's not expensive and you sleep better till you live there for a year and feel out your new surroundings.

I purchased the flood insurance simply because I have no idea of the grading problems or potential flooding since I never permanently lived here. I think its cost is worth the peace of mind. I agree that at least for the first year you should consider it.

Not expensive unless you are in a FEMA flood zone. Tried to sell my parent's small house after they passed away and the buyers found out that FEMA recently put part of the garage in a flood zone. Mandatory flood insurance for a government-backed mortgage was $2400 per year (in ADDITION to the regular insurance), Killed one deal after another, until I got an elevation survey on the house itself ($1000) to put it above the flood zone. Finally sold the house, but a lot of better offers were left on the table. Make sure you do not buy a property in a FEMA flood zone.

Not exactly correct. Everyone is in a flood zone. The real question is "which one". They typically have letters in the name. This is fairly easy to research. I would not be concerned in The Villages, but whatever lets you sleep at night you should do.