Ah..so I think I can answer this correctly as it's something I researched prior to moving here. So, if you are in a flood zone, you will be required to get flood insurance IF you mortgage your house, as the lender will require it. To my knowledge, it's very expensive and typically only one program exists (probably the one you are referring to).

If you do not live in a flood zone, it varies a lot. Florida requires new homes to be built to appropriate hurricane proof codes since Andrew, so newer homes insurance are about like anywhere else in the nation. Older homes are somewhat more expensive, but usually not insane.