There was a sink hole on the golf course near Nancy Lopez recently. A house near it was declared uninhabitable and catastrophic ground collapse kicked-in eventhough there was absolutely nothing wrong with the house. Based on the past couple of sink holes involving houses here in the Villages, it seems like the county plays it safe and declares catastrophic which is covered by all homeowners insurance so unless you live in an area where there have been a lot of sink holes, sink hole insurance is probably a waste of money.

General question?

Is there way to find out if pond retention drains are install between properties? IMO installing transfer/street drainage under private property should be illegal or at least clearly defined. There a lot ground collapse/sinkhole related to street drains that are deep below retention pond levels rotted out leaking. IMO they eventually leak and may cause ground collapse down to underground cavity.

I don’t understand how big utilities drain/transfer pipes can be ran between houses less than 15 yards apart and be legal. IMO any leaking/digging work on those pipes between properties are liability. IMO you think there would have been 20 yard or so easement from property lines? If I was buying house I’d look out front for street drain see if it’s running towards retention pond?

Some of the sink hole problems have been around ponds in recent years. I don't have an answer to your question but I would reach out to the Villages. There has to be a plan of how all the utilities were layed out when the Village was built.

In 2016 Lots had special easements for storm drains
 

Our home in Osceola Hills (2016) has a storm drain from the cul-de-sac underground to the retention pond. Our lot and our neighbors lot both have 15 ft. special easements in addition to the normal setback from the house to sideline distance. So there is a minimum of about 45 ft. between our houses in case there is a need for storm sewer maintenance.

These easements were shown on the sales map and also on our lot maps.

Understand what you are saying. While I am writing this Helene is headed toward Florida with 15 foot storm surges expected. If Homeowner Insurance covered flood all of us will end paying for their flood damage. Same in California with their earthquake exposure. Full disclosure I was in the insurance adjusting biz and did not work directly for an insurance company.