Hi Joseph! The one important thing you should know, is that FEMA is likely to increase Flood Insurance rates significantly by the Fall of this year. Given the cost, sadly, of so many recent natural disasters, the program is/has run out of money. Whomever you speak with (insurance agent) be sure to have them address this looming issue. Ones' property could be off-water but in a flood zone. The elevation height of the property is the key. The 33991 area does have the barrier islands and preserve to help and most of the homes are newer (usually higher in elevation, but your best call would be to an insurance agent. Bon chance!
Victoria Yereance, RE/MAX Realty Team, 239-823-6917