Definitely do some checking around. There can be crazy differences. We were looking for our new home that currently requires flood insurance (FEMA maps not updated yet). The Villages Insurance was like $1400 for the house but another $2800 for the flood.
We went to Kin insurance. They were about $1800 for the home but less than $300 for the flood. I still don't get it, a $2500 difference for the flood quote. Anyhow, Kin has been pretty good customer service as we sign up.