[westernrider75]

We added flood insurance to our policy for $105. We are not in a flood zone, just peace of mind.

[Loug56]

If you got an appraisal, it is noted.

[Don5154]

Originally Posted by oldtimes

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]

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]

Again this is why you use a lawyer to protect your interest instead of just the title company closer.

[Mirgeaux]

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]

Federal government offers flood insurance. All of Florida is a flood zone

[Lblueocala]

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]

Originally Posted by villagetinker

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land and then compare that to what is reported in the flood plain maps, he may be able to make a case that the maps are out of date.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 These maps are always "out of date" because everything changes.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]

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]

Originally Posted by oldtimes

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]

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]

No way if flood insurance needed in most of the villages???????

[jbrown132]

Originally Posted by Dana1963

Your real estate agent should have disclosed this to you.
Property Disclosure Statements: Duty to Reveal Hazards in Florida Must Be Disclosed to Home Buyers | About Florida Law

I could be wrong but my understanding is that the Villagers real estate agents are not licensed.

[crash]

Originally Posted by oldtimes

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.