[johnsjmc]

We have a small winter home north of Tampa , 1100 sq ft concrete block on a slab built in 1974. About a mile from the water It,s 10.79 ft above whatever they measure to. I would guess it,s 10 ft above average high tide but don,t know for sure.
Since we only paid $33500 for the place we didn,t put any insurance on it except we bought $10k of flood insurance . That would replace appliances and perhaps some flooring and cabinets if there were a ft of water in the place. Costs about $390 per yr. We asked a neighbour who had been there 25 yrs and they had one storm which flooded the street and came within an inch of their back door. With that in mind we felt flood is our biggest risk.
A regular home owner policy with fire/theft/and wind would have added $1400 more .
There are neighbours with a mortgage in a slightly larger home and they pay about $4800 per yr for all the insurance they are required to carry.