What does home insurance cost on something 200k or so down there with hurricane risks etc
Homeowner's is about half price or less compared to Chicago suburbs. By me, it's usually around $1K per $100K sales price.
Flood insurance is dependent on how high a property is in relation to flood level. Above flood level, it's inexpensive, in the hundreds. Below flood level, it gets pricier as the level drops. What you do is get the property mapped for an elevation certificate for $300 or so and then give it to insurance companies to get quotes.