Please know if you will have a mortgage on a home and the home requires flood insurance in accordance with FEMA.gov guidelines the annual rate could vary based on the flood zone as well as other factors such as have they enclosed an area below the flood zone - base level or if it is located in a velocity flood zone. The year the home was constructed also plays an important role in determing premiums for flood insurance.
I would ask the existing homeowner if they have a "flood elevation certificate" or if you plan to purchase a home, I would see if the current insurance provider has a flood elevation certificate. The "flood elevation certificate" helps the insurance provider determine the rate for the home. Typically, most homes on Skidaway Island would be in a flood zone but there are different categories for flood zones so you may wish to reference FEMA's website (FEMA.gov) for additional information.
If the home will not have a mortage on it, you may not be required to have flood insurance but it is advisable to seek information about coverage for your home and contents from a licensed insurance provider.
I am not an expert in the area of insurance, flood zones, price quotes or premiums but there are a lot of wonderful insurance carriers in our area that could provide you a price quote on a particular home. There are so many factors that determine the premium for flood insurance and a licensed insurance agent would be the best individual to consult regarding this matter.
Skidaway Island (Savannah, Georgia) is a beautiful gated community with a first-class marina and the golf courses are awesome! You have great views of the marshland / waterways while playing golf. The marina at Skidaway Island is located within close proximity to the intracoastal waterway and coastal barrier islands which is a plus for boaters.
If you are searching for a new home in the Savannah - Skidaway Island area, please let me know if I may assist you if you are not currently working with a realtor in the area. Hopefully, you will find a home that requires a modest/reasonable or affordable premium for flood insurance so you can enjoy this beautiful coastal region!