Although it says you are a homebuyer, from the way you phrased your question: "We are in a flood zone"...I will assume you are selling your home that is located in a flood zone.
Well, the first question any buyer will ask is: since it IS in a designated flood zone - has it EVER FLOODED?
The answer to the above question is major, and will factor into how much the flood zone situation will be an issue.
I assume you already obtained the flood certificate, it will show to what extent the home is in the zone -- partially? fully? just the porperty but not the house itself? These answers also factor in.
So.....you must disclose all of this to the buyers - that's a given. You should also get a price range of how much the insurance will cost, and disclose that.
It is what it is, and you must be upfront about it.
Bottom line - there will be some buyers who will be scared away when hearing the term flood zone.
Be prepared that buyers will also expect a discount of some sort in the price, too.
The extent of flooding in the past will ultimately factor into the final sale price.
On a positive note - your home qualifies for the insurance, and others may not - even homes that may flood on occasion can't obtain that special insurance unless situated in a flood zone.
Obviously, a local agent can fill you in as to what a realistic price range would be.
Hope this helps!