Hello Lvmyhouse--You would have to have some addresses in mind. Generally most things south of Hwy 98, and along the East Bay, but it all depends on elevation. So we would have to consult flood maps and elevation maps and investigate on specific location of the house on specific lots. Homeowner insurance typically on a 200,000 home will run you in the area of around 2000 a year. That is without flood insurance. Flood insurance, if it is not required, runs 300-500 currently. However, this is about to change with new flood maps coming out and changes in the flood insurance rules. If flood insurance is required, you could be looking at significant cost--5000 and up per year. But, remember, these are guestimates--for real information, you would have to consult the flood maps for particular properties and a local insurance agent. I can recommend a local insurance agent if you would like to investigate further.