If it is above flood elevation, then flood insurance will not be high.
If you buy then have to get new insurance, wind and hail will not be in the homeowners. It has to be bought separate.
My little sister pays $5K and my older sister pays $6K per year for flood, homeowners and wind/hail insurances. One is in Cameron, the other is in Creole. Both above flood elevation. Older sisters house survived both Rita and Ike with little damage.
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