Talk of The Villages Florida
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Talk of The Villages Florida (https://www.talkofthevillages.com/forums/)
-   The Villages, Florida, New Members Forum (https://www.talkofthevillages.com/forums/villages-florida-new-members-forum-115/)
-   -   Surprise! The lot you bought and house you have planned are in a flood zone ! (https://www.talkofthevillages.com/forums/villages-florida-new-members-forum-115/surprise-lot-you-bought-house-you-have-planned-flood-zone-314114/)

westernrider75 12-18-2020 06:31 AM
We added flood insurance to our policy for $105. We are not in a flood zone, just peace of mind.

Loug56 12-18-2020 06:38 AM
Flood zone
 
If you got an appraisal, it is noted.

Don5154 12-18-2020 06:46 AM
Quote:
Originally Posted by oldtimes (Post 1874897)
I can’t imagine buying a lot in Florida near a pond and not thinking it could flood. After hurricane Irma a lot of The Villages had flooding.
NOT TRUE......stop passing along bad information

JohnN 12-18-2020 06:50 AM
If you look at Chitty Chatty, it's doesn't have ponds, it's an island in a swamp.
So no big surprise.

What is surprising is that my home here in St. James is rated a "9", extreme risk.
Yet homes a block away have zero ratings, and in reality I'm on a nice hill and have not ever seen any sign of water flooding issues - and no, I'm nowhere near a pond.
My mortgage didn't require flood insurance either, I think this used to be a cattle field.

J1ceasar 12-18-2020 06:52 AM
Again this is why you use a lawyer to protect your interest instead of just the title company closer.

Mirgeaux 12-18-2020 07:02 AM
Website is BS. Checked 3 properties, one on top of mountain 5700’ in NC which it stated 99% chance of flooding in 30 yrs. build an ark!

bocaabend 12-18-2020 07:07 AM
Federal government offers flood insurance. All of Florida is a flood zone

Lblueocala 12-18-2020 07:11 AM
Chitty chatty has and will always be the chitty chatty swamp. Water view down here can mean you’re looking at or are in a swamp

retiredguy123 12-18-2020 07:21 AM
Quote:
Originally Posted by villagetinker (Post 1874954)
I had an interesting thought, the "flood plain maps" are probably a few (several) years old, depending on what the developer di with landscaping the current elevation may actually be a few feet higher and could make all the difference. The OP might be able to get a surveyor to determine the exact CURRENT elevation of the land and then compare that to what is reported in the flood plain maps, he may be able to make a case that the maps are out of date.
As I understand it, the flood plain maps used to calculate the flood insurance rates are prepared and updated by the Federal Government, FEMA. These maps are always "out of date" because everything changes. But, I don't think you will have any success in getting FEMA to update the maps to change your insurance rate.

noslices1 12-18-2020 07:34 AM
Instead of a standard home, build an ark or a houseboat. I think flood insurance is pretty standard in the villages. I live in an area where there is not much chance of a flood, but have flood insurance.

72lions 12-18-2020 07:41 AM
Quote:
Originally Posted by oldtimes (Post 1874897)
I can’t imagine buying a lot in Florida near a pond and not thinking it could flood. After hurricane Irma a lot of The Villages had flooding.
Not one house in TV had water during Irma!

msilagy 12-18-2020 07:41 AM
Florida doesn't use Attorneys for buying/selling a home in Florida. Up north (where I am from) no one buys/sells a home WITHOUT an attorney. The value of having an attorney disclose this to you before signing on to buy is "priceless." Sorry this happened to you and I'm sure many others. You paid a huge amount of money for those properties, now on top of that, built a new home at a premium with a bond nonetheless........was it all worth it?

msilagy 12-18-2020 07:43 AM
No way if flood insurance needed in most of the villages???????

jbrown132 12-18-2020 07:51 AM
Quote:
Originally Posted by Dana1963 (Post 1874853)
I could be wrong but my understanding is that the Villagers real estate agents are not licensed.

crash 12-18-2020 07:54 AM
Quote:
Originally Posted by oldtimes (Post 1874897)
I can’t imagine buying a lot in Florida near a pond and not thinking it could flood. After hurricane Irma a lot of The Villages had flooding.
Not in the homes but the golf courses. The ponds overflow into the course so homes don’t get flooded.


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