My old house had some minor flooding, mainly the crawlspace and all the HVAC ductwork underneath during Sandy, but my insurance actually went down over the years. OC did a lot of proactive things to get it down like building up dunes. I also had my flood cert redone as my flood vents were not being accounted for.Did your flood insurance go up significantly this year? Mine is going up 15% as did a friend's. It's still only 10% what it was 5 years ago but that's why the house was lifted. It's now increased over 25% since.
In the new place I'm up on stilts 8 feet high. It makes going to the grocery store fun but flood insurance is only a few hundred per year.