Most SW Floridians don’t realize that the US government raised flood insurance rates.
The Biggert Waters Flood Reform Act of 2012 was signed into law July 6 2012 and is being phased in over time.

FEMA has recently updated its website to help consumers identify a property’s flood zone and estimate the cost of a new policy.
Learn more at

The website gives a large range of costs but at least you’ll get an idea of a low end and top end and a list of agents that can write flood policies to check with.

FEMA Floodsmart