To calculate accurate flood insurance rates your insurance agent would need a copy of the Elevation Certificate, as flood insurance rates are heavily impacted by the Base Flood Elevation of the area and the elevation of the particular home compared to the BFE. So no quick calculators.
On hazard insurance, there are a number of factors that impact rates, such as age of the home, age of the roof, is the home eligible for wind mitigation discounts, how far is the home from the nearest fire hydrant, etc.
You didn't mention wind insurance, but if you're looking at Miami area homes nearer to the beach, the home may also be in a special hazard wind zone.
If you find a home (or 2 or 3) that you are seriously considering, have a local insurance agent calculate estimates for the various types of insurance you will need. You'll get a lot closer estimate than attempting to use some sort of online calculator.