The cost of Homeowners Insurance, like most insurance is usually individually specific. The amount of Homeowners Coverage, 300 to 400K & the home location, along a creek or river are key factors. The waterfront location would likely affect the Flood Insurance rate, more than the Homeowners, based on my experience. Other issues are important, replacement value, the amount of contents coverage needed, amount of current mortgage, if there is one, are questions the insurance agent will ask.
*I would call a local independent insurance agent & ask for a free quote, based on all the specifics to your situation. They can usually plug in your info., & give you an approximate quote fairly quickly, if you have all your home information in front of you, or they will let you know just what they need to quote your coverage.