Whatever you do, gets lots of quotes and do your homework. A few hours on the phone with agents comparing rates could save you hundreds. Same with your auto policy. Don't buy from the first one that makes you an offer.
DrShark- I strongly recommend giving tunnelvision or another INDEPENDENT agent a call as they will shop the market and find the best deal for both your standard and flood policies which you will need. Although no doubt well meaning- those associated with specific underwriters will be interested in selling you only their own coverage- rarely the way to find the best deal. Just my 2 cents. The agent I used is Shane Saucier out of Houston (can find on web) and the service has been satisfactory. TK
I sold mine on the San Bernard last year... I had AllState as my carrier (cheapest around) and no problems with any of the storm related stuff for a policy. If anything changed with providing coverage it must have been recent. With that said, I would refer you to Outcast and All State.
Where abouts are you? If way up river, it's possible policies could be different than say south of the 2611 bridge and "closer" to the coast. I was south of 2611 bridge.