HOAs are often required by law as most new subdivisions have storm water facilities, like detention ponds or basins. These storm water diversion devices are often required by the clean water act.
So if a developer has to build a storm water pond, they need someone to look after it. That means an HOA needs to be created to own the land, cut the grass, and hold insurance.
That’s the root for most of the HOAs. Once the association exists, many also add in playgrounds, clubhouses, gold clubs, or swimming pools, or other amenities.
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