Check FEMA flood maps. Mortgage companies will require flood insurance if you are in a FEMA flood zone. The maps are redone every 3-5 years so the newer areas show it as open land and a flood zone but once it is redone it will show the drainage improvements and most likely take the area out if a flood zone.

FEMA Flood Map Service Center | Search By Address

for the most part don't bother, and you don't need hurricane either.... might consider sink hole though....

The Villages allege that none of their homes sold are in flood zones. Hold them to it.

You are right there were a couple of homes in the North end that had some damage but that has all been taken care of according to the Villages when I went to the Academy course. There were tunnels and golf courses and other places flooded but what we are talking about is your home getting damage due to rising waters from the street or around your home, comming into your home and causing damage that flood insurance will cover. Fortunately, we have sandy soil as well. Gold Wingnut has a good Youtube video of exactly what happened during Irma so you can see for yourself.

Getting flood insurance, unless you need it for a mortgage, is an individual choice but the Villages is a very safe place to live in regards to storm flooding since we have and they continue to expand one of the best storm water management systems in the country.

As one person said, any other water damage due to the storm except from rising water, is covered under your homeowner's insurance. And I agree, the sewer rider is always good extra coverage to get.

If you’re locating in a flood plain or live near a retention pond that is NOT part of TV water control system (example: north of 441 and some older parts).

Personally, I have every coverage you can think of except flood insurance. She explained to me that The Villages has a very, very good flood control system, and that flood insurance in our case would not be necessary. Be very careful when it comes to flood insurance purchasing because flood insurance only takes affect if your streets become completely overwhelmed like a river and water comes gushing into your house from the street. It does not cover sewer back ups that come into your house. That is a different insurance.. she also explained to me that she has personally never had to issue a claim for flood insurance in The Villages.

Flood Insurance cover more than flood by act of nature, it also covers certain waster damage caused by street water back wash and other house problem. Read the fine print.

You need to know what your flood zone you might be in. If you have a mortgage they will require it. Here in the Villages it is not likely that your house would flood. That said after over 20 years of handling Flood Claims I have seen homes not in a flood zone or near any water get flooded. Storm drains can clog and streets can easily flood.
Check the cost of flood insurance. Since it is a Federal Program the price is the same no matter who you buy it from. It’s all based on Elevation and Flood Zone. From a customer service view point I would not go through FEMA. I would purchase from any insurance company that sells it such as Hartford, Allstate, State Farm etc.

Flood insurance will cover rising water from the storm drain, but not from the sanitary sewer drain.

Flood insurance is purchased thru FEMA. Not a lot of money for what used to be peace of mind. Not sure what to expect from FEMA under current administration.

We purchased a house in DeLuna several months ago. I later found out that there had been some flooding with hurricane Milton last year - street flooding that made it up driveways, but I don't think got into any homes. We purchased flood insurance from Neptune for about $900.

Have you seen this here in the Villages? Because you are correct in your recommendation but we are specifically talking about the Villages.

This is what we came up with after some research:
Sinkhole insurance - no
Flood insurance - no
Termites - no

Yes, we had 17 inches of rain with Irma and very few if any homes flooded. What if we had 55 inches of rain over 4 days like they had in Houston a few years ago? Thousands of homes would be flooded here, don't kid yourself. If you don't have budgetary restrictions, flood insurance makes a lot of sense here, in my humble opinion. (Florida resident since 1984)

They got that 55 inches of rain because of the rivers and creeks and the geography in Houston.