Hi Nashah -
Me again - the only real way to determine actual costs on flood insurance is to ask your current insurance broker and then call two or three more and get comparative costs. You will need the properties address and the town's assessed value (tax card) for the insurance broker. You can go to town hall and get this info or I would be happy to get it for you - just let me know.
Stephan von Jena
william Pitt Sotheby's International Realty
1057 Post Road
Darien, CT 06820