Karen is right. The best way to get an idea of prices for flood insurance is to get a quote from some insurance companies. Have your Realtor send the listing of the property to the insurance companies of your choice for the quote.
Most all of Florida is in a flood zone, it is just a question of which zone you are in. Walton County, to your east, has GIS maps which show the FEMA zones, and I know that Okaloosa County is a little higher tech with such things, so they likely have online maps for the public, too. The simple answer is ask insurance companies for quotes.... more