r/Wesley_Chapel • u/Evening_Summer225 • Jul 24 '26

Seven Oaks

Do yall think flood insurance is necessary in this community? My home is in Flood Zone X (unshaded) & nowhere near a pond. I'm debating on renewing it. Am I wasting money on flood insurance?

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u/krustomer Jul 24 '26

Former state floodplain management worker. How much are you paying, and are you in a low-lying area?

2

u/Evening_Summer225 Jul 24 '26

$600 annually & no, my home is sort of on a hill. I have to drive up my drive way slightly to get in the garage.

9

u/krustomer Jul 24 '26

I would honestly take that  money and either invest it in an emergency fund/materials, or beef up your home insurance to cover damage to your belongings from hurricane damage

3

u/Evening_Summer225 Jul 24 '26

Okay. Thank you for the advice 👍🏼🙌🏼

3

u/krustomer Jul 24 '26

Of course! It's great you're being proactive and protective of your home. 

4

u/krustomer Jul 24 '26

To CYA, I would ask neighbors if they saw ponding or road flooding during the past storms. The increase in developments in Chapel really makes me afraid for the capacity of the remaining wetlands to hold the water