Talk of The Villages Florida - Rentals, Entertainment & More
Talk of The Villages Florida - Rentals, Entertainment & More
#76
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#77
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I just looked at the 100 year flood zone map for Sumter County. If I read the map right, there are a few dozen TV homes that are in the flood zone. Most are in the new villages around Lake Deaton. Some blocks/clusters of homes are in the flood zone. If I had the correct location, part of the Finney property is in the flood zone.
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#78
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What level of danger do you ascertain from your map reading, Outlaw?
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#79
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Thank you biker1. Can you figure out if the new area in Finney is such a place?
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#80
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#81
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It is better to laugh than to cry. Last edited by graciegirl; 05-11-2016 at 02:30 PM. |
#82
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My understanding goes back a few years from when we bought property and built a house in the AE10 zone.
Essentially, if you are in the 100 year flood plane then you are required to have flood insurance if you have a mortgage. I think that is mostly correct. The 100 year figure is somewhat arbitrary as it could have easily been the 90 year or 110 year flood plane. The number actually represents a probability of experiencing flooding - 1% per year. You can be just outside the 100 year flood plane and have essentially the same risk as someone just inside the 100 year flood plane. I guess they had to draw a line somewhere. Within the 100 year flood plane there are areas of minimal risk and unknown risk, as well as other levels of risk. The flood insurance premiums will reflect the risk, as designated by the "letter" zoning, and can vary significantly. I suspect the area in Finney is probably minimal risk. The "lettered" zone can probably be found with some internet digging or a few well placed phone calls. I haven't seen the actually property but unless it borders a river that overflows its banks on a regular basis or is in very low lying land I doubt it will be of any real concern, except that the home owner may be on the hook for $300+ a year in flood insurance premiums. So, that is my understanding from previous experience and research. Perhaps things have changed a bit over the last 10+ years. Please post if I am off base. Last edited by biker1; 05-11-2016 at 09:21 AM. |
#83
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#84
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What I meant by "change" was the overall situation as to who has to have flood insurance, if they have a mortgage, and the fact that areas are designated by letters that reflect the risk. Tampa is most likely in a very high risk area and the flood insurance premiums, as they have always, reflects the risk. Areas of minimal risk can still get policies starting at around $300 ish per year. When I quoted that number it was in the context of Finney (which was what my post was in reference to), which I believe is a low risk area, not some arbitrary high risk area on the coast (which is not the issue being discussed). I believe residential flood insurance is limited to $250K on the structure.
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#85
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#86
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Yes, I always found the $250K limit on a residential structure to be a bit odd.
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#87
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But..."stirring trouble" is from your perspective. I still don't understand why you try so hard to control the dialogue to suit your perception of what is acceptable discussion. Diversity of opinions and topics is what makes a forum interesting. Maybe don't look so hard for underlying/hidden agendas, and take comments at face value until proven otherwise. It's a much more productive way to participate in a forum. You like to post things you like about TV. That's great. I also read the Daily Sun when I want to feel good and cozy. Other people like to post about things they don't like about TV. That's their prerogative. Many people want to discuss the good AND the bad of TV. Shutting down other people's opinions is not conducive to good communication.
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#88
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It probably has to do with congress setting some amount that would protect 90% of homeowners 30 yrs ago, or a way to limit liability.
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#89
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I don't mind a good debate but I don't like a lot of slinging around glittering generalities and half truths and thinly disguised negativity based on jealousy of the Morses. Or just plain trouble making by folks who enjoy that kind of stuff. Let us agree that you be you and I will be me.................lying in wait.......for you my pretty and your little dog too.
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#90
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Does anyone notice a large area that is similar in both pictures? Guess what that is.
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