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Seems you've got a possible double whammy in being both in a coastal construction zone and also flood zone.
Before I'd sign on the line get something in writing from the local building officials regarding what their requirements would be. In writing can be an email btw.
I've got a friend who's got a house in the floodway (not floodzone, learn the difference) and his insurance is about 4K a year to the point of him possibly raising the entire house to get a reduced rate. House from 1840 umm yeah, that'll be a piece of cake.
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