It depend on the Property, There are a few homes that may be considered in the flood zone A12, Most are in the V20 zone. It also, depends on the elevation of the house, the amount of enclosure down and the use of the enclosure down. Flood is currently the most expensive part of the insurance cost. Windstorm is next and the price of those policys can be cut in half by doing higher deductables. Last is the Homeowners and it is the least expensive.. So, you have to pick a house, check the tax's and ins cost owner is paying currently, you can also request an elevation certificate and have an insurance agent est policy costs. Everyone in Galveston County pays Windstorm, Homeowners. So yes you will pay in addition the cost of flood insurance on a home on Tiki, if you have a lender it is required. Hope this helps? - do you have an agent?