I am not an official anything...agent, broker, insurance salesperson. I can only tell you that i have been looking for a home for years...and what always pulls me back is the homeowners insurance. I have looked on the east and west side...usually at 1200-1500 sq ft homes. For flood and wind i have gotten quotes varying from 4200 to 6800/year. Big factors include home value (cost of replacing the home), flood zone, construction type, age of the home, age of roof, the deductible you choose. But i think what mostly impacts the price is the four point inspection and your hurricane protection (either impact windows or shutters). And with hurricane protection it's all or nothing. If you have an exposed skylight, bathroom window, whatever, that doesn't meet their standards, you do not get the credit.
Again, this is all in my experience (with shopping around, even tapping into a family resource who owns an insurance company).
I have a friend in Wilton Manors on the water who pays less then 4k/year...go figure. I do think he was grandfathered in before the last big hurricane. Also, be aware...Citizens is in the works to up their rates currently.
By the way, the last two houses i almost purchases, both in good condition with roofs under 5 years old, both west of 95, came in at 6400...one in Riverland, one in Palm Aire.
Good luck. I don't know how much longer i can afford to live here at those rates.