Highland Lakes

Country Club and Community Association

Gauging Whether You Need Flood Insurance

According to the Federal Emergency Management Agency (FEMA), many lakefront homes in Highland Lakes sit within the agency’s Special Flood Hazard Area map, which means they are theoretically in jeopardy of flooding if a 100-year flood were to occur. Regardless of what you think about that possibility, FEMA’s map for our community is outdated and, in some cases, inaccurate, which means that you may be paying for flood insurance (required by your mortgage lender) that you don’t need. If you are concerned that you may be carrying flood insurance unnecessarily, want to learn how to have FEMA’s map amended to accurately reflect whether your home is in a flood zone, or have some unnatural interest in obscure insurance products, go here.



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