This is a great question—the cost of homeowners insurance isn’t typically affected directly by your living in a flood zone but rather by the other dangers associated with it. This is because flooding itself isn’t a peril that standard home insurance policies cover.
That said, if you live in a location that experiences frequent flooding, you’ll probably experience frequent hurricanes, tropical storms, or severe weather as well. The high frequency of these disasters will almost certainly push the cost of homeowners insurance above the national average of $1,400 a year—probably closer to $1,800.
The perils associated with these other common disasters—primarily wind and lightning damage—will be covered by the named perils of your standard homeowners policy.