Home Insurance Cost?

My family and I will be moving to Florida next summer. We'll be visiting several areas over the next year. Boca is at the top of our list. I found homes in East Boca I really like, but I'm worried about the cost of flood and wind insurance being so close to the water. One home is a two minute drive to the beach. It's right across the bridge from the beach. I know the insurance listed on Zillow can't be correct. What is your insurance like and how close are you to the beach? We may consider more central or west areas if it's way too high.