This is a great question mkb5412 and there is not one definitive answer. Florida is divided into zones and what the rates are depends on where your home falls in those zones. The areas hit the hardest are primarily closest to the water which seems obvious but there are some areas inland that also are in lower lying areas that have been designated flood zones. The zones to look for are X zones as they are the best and do not fall into the higher insurance rates. A zones are a higher risk and will carry increased premiums. There is a whole range of zones that then fall with the two extremes and that's where an elevation report is recommended to best know where your home falls. To your original question about the average, I can say that some rates depending on area could see increases of over 20% and more. I have heard stories where rates were $2000 a year have gone to over $10,000 per year. A great site to go to for more information is http://www.floodsmart.gov
and click on the link that talks about the Bigger-Waters Reform Act of 2012.
I hope this information was helpful.
Thank you and have a great week,
Stan Nedelko and Julie Banks, Realtors