Flood Insurance in The Villages, FL — A Plan Made Just For You

A standard flood insurance policy covers two main areas:

• Building/Dwelling Coverage: The physical structure of your home — foundation, walls, flooring, electrical and plumbing systems, HVAC equipment, and built-in appliances. NFIP building coverage is available up to $250,000 for residential properties.
• Contents Coverage: Personal property inside your home including furniture, clothing, electronics, and valuables. NFIP contents coverage is available up to $100,000. Private flood policies may offer higher limits.

What flood insurance does NOT cover:

• Temporary living expenses (loss of use) — NOT covered by NFIP. Some private flood policies do include this.
• Damage from moisture, mildew, or mold that could have been avoided
• Currency, precious metals, and valuable papers
• Vehicles (covered by your auto policy’s comprehensive coverage)
• Landscaping, pools, decks, fences, and septic systems

The Villages’ planned community spans Sumter, Lake, and Marion counties in Central Florida. The community’s numerous retention ponds and lakes, combined with Central Florida’s flat terrain, create localized flood risk during heavy tropical rainfall. While generally at lower risk than coastal areas, no Florida property is entirely flood-proof. Contact Cornerstone Insurance to make sure your The Villages home has the right level of flood coverage.

Yes — flood insurance is important for The Villages homeowners in all flood zones, not just high-risk areas. The Villages’ many retention ponds and lakes are beautiful amenities, but they also mean flood risk is present throughout the community. During major rainfall events, retention systems can overflow into adjacent properties. Flood insurance provides protection that no homeowners policy includes.

Key facts to consider:

• Roughly 25% of all flood insurance claims nationally come from properties in moderate- and low-risk flood zones (Zone X).
• Under FEMA’s Risk Rating 2.0, your flood risk is calculated based on your specific property’s actual characteristics — not just your flood zone. Many properties previously considered “low risk” now reflect their true exposure.
• Flood insurance in lower-risk zones is often very affordable — sometimes $400–$800/year — making it exceptional value-for-protection.
• Your mortgage lender may not require it in Zone X, but flood damage is never covered by your standard homeowners policy.

The flood zones affecting The Villages include: Zone AE (areas near retention ponds and drainage features), Zone A (localized low-lying areas), and Zone X (the majority of The Villages’ residential footprint). Our agents can help you understand your specific property’s risk and find the right flood coverage.

Flood insurance in Florida can be obtained through two main sources:

• The National Flood Insurance Program (NFIP): A federal program administered by FEMA, available through licensed agents like Cornerstone Insurance. NFIP policies offer up to $250,000 in building coverage and $100,000 in contents coverage for residential properties.
• Private Flood Insurance: A growing market of private carriers now offers flood insurance with competitive pricing and often broader coverage options than the NFIP — including higher limits, shorter waiting periods, and additional living expense coverage not available through NFIP. Cornerstone can compare both NFIP and private flood options to find the best fit for your The Villages home.

Contact Cornerstone Insurance to get a personalized flood insurance quote and comparison for your The Villages property.

Unlike most other types of insurance products, flood insurance coverage does not take effect immediately! There is a 30 day waiting period (unless you are closing on a loan) for the coverage to go into effect. The Villages residents must keep this in mind when they purchase a flood policy. So, if there is a major hurricane, tropical storm or heavy rain in the forecast  you are probably already too late to cover your dwelling. It is important that you buy your insurance well in advance of storm season so you will be ready in the event of a disaster.

The cost of flood insurance in The Villages, FL varies based on several factors. In 2021, FEMA introduced Risk Rating 2.0, a modernized pricing system that calculates premiums based on your specific property’s flood risk, including distance to a water source, property elevation, cost to rebuild, and type of flood risk.

Under Risk Rating 2.0, The Villages residents can expect annual premiums that more accurately reflect their individual risk. Many homeowners in preferred (low-risk) zones pay between $300 and $700 per year, while properties in higher-risk flood zones may pay more.

Because rates now vary significantly by property, the best way to determine your exact cost is to request a personalized flood insurance quote. As an independent agency, Cornerstone Insurance can compare NFIP and private flood insurance options to find you the most competitive rate for your home in The Villages.

Because we are independent, we offer our clients the best carriers, at the best premiums and with the service, diligence and professionalism you deserve. We provide flood insurance through multiple programs, including:

• National Flood Insurance Program (NFIP)
• Neptune Flood Insurance
• Flow Flood
• Vave Flood Insurance
• Brit Flood
• Argo Flood Insurance
• Chaucer Flood Insurance
• Selective Insurance — Flood
• Tower Hill Private Flood
• Homeowners Endorsement via Tower Hill
• American Integrity Insurance — Flood
• Edison Insurance — Flood
• Ovation Home Insurance Exchange — Flood
• Florida Peninsula — Flood

Cornerstone’s carriers provide a comprehensive range of personal insurance products for Florida residents, including:

• Homeowner’s Insurance
• Auto Insurance
• Motorcycle Insurance
• ATV Insurance
• Condo Insurance
• Umbrella Insurance
• Renters Insurance
• Comprehensive Liability Insurance
• Boat & Watercraft Insurance
• RV Insurance
• Term Life Insurance
• Wedding / Special Events
• Horse Liability
• Vacant Home Insurance
• Golf Cart Insurance
• Dwelling Fire Insurance
• And More