All waterfront towns run the risk of flooding on some streets at one time or another. In order to find out an estimate of the costs for flood insurance you would really need to know the zoning for the particular street you are thinking of moving to . They have codes on the tax records that an insurance company can look up and give you an idea what the homeowners and flood insurance would cost per year. They are 2 separate policies.
Flood cost really determined by the property you are are looking at ( directly on the water, close to the water) and the elevation. I would love to assist you with your search! Please give me a call and we can discuss further. 732-272-2202