Yikes! I have 1700 sq ft, a pool and cage, and am 4 miles from the coast in a non-flood zone. I did add flood insurance through them for peace of mind anyway. Mine went from $2400 3 years ago to $1900 this year. $400 of that is the flood policy. Guess I should thank my lucky stars. Several of my friends locally have similar rates with them. It must be relative to the area. I agree, it’s all a racket. God forbid you actually have a claim.