I sell insurance and it REALLY depends on the elevation certificate. Without it you will not want to afford the premium. Example in Whiteville, La for a new house in a flood zone. No elevation certificate = $6500, with elevation certificate showing lowest level above flood level = $600. So really hard to say without elevation certificate and on the coast everyone is about to get hit REAL hard especially on older camps that wheren't built high enough. I'm talking some reasonable camps ($250K) having a $20K+ premium per year. This is national insurance so the government controls these rates not companies. Doesn't matter where you go the rates are the same.
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