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.
Karen Butler, Coldwell Banker United Realtors, FWB, Fl Karen@KarenButler.com 850-830-8780
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Condo fee the HOA would need be reviewed determine what is covered.
However have a property with water view is an exception to rule are easier sale than homes or condos with no view.
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In response to the condo fees--normally condo association fees include insurance on the structure since it is common property to all the owners. That is the biggest reason why most condo fees appear to be so high to people searching the mls listings. The map can be found on Okaloosa and Walton county websites. Here is the site for the flood maps:
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