Just saw this post and wanted to respond for anyone looking to purchase in a flood zone. To get a quote on flood insurance you will need an Elevation Certificate to see how high or low the house sits in relation to the base flood elevation. You can ask the current owner of the property if they have an Elevation Certificate or possibly one has been recorded in the town records. If not, you will need to hire a licensed surveyor to do this (the fee is anywhere from $450 and up). Once you have the certificate you can call a flood certified insurance agent and they can provide you with a quote. Floodsmart.gov and region2coastal.com are both good sites for flood insurance information, but without the EC it will hold up your purchase. If you will have a mortgage you will be required to have flood insurance. Anyone needing information regarding flood insurance can contact me, Diane Fox, at email@example.com. I can also refer you to a surveyor who does the EC.