Florida gulf STR Insurance - sky high?

[Matt Smith]

We are under contract for a 630K Single Family Home in Port St. Joe, FL and are looking at insurance options. Property is not directly on the beach, it is about 5 houses back from the beach. So about a 300-400 ft walk to the sand. Proper insurance is currently at 13K/year without Flood insurance. This will severely impact the property analysis and cashflow that we projected. Does this seem the norm for an SFH with 400K on dwelling? We also have a wind mit and 4 point inspection done but proper is giving no discounts for that. The house is also built on top of 12 foot pilings to protect from flood, as well as it survived hurricane Michael (albeit there was some damage but it was mostly all in tact).

We do have a separate private flood insurance quote for about $600/year so we will probably do that.  

We had another quote with some other brokers that are giving discounts for the wind mit/4 point and have quoted landlord policies or homeowners policies (~4-6K annually) but I'm worried we may not be covered for STR on those, even though we have been VERY UPFRONT with insurance carriers that we will be STR'ing the property when we aren't using it personally. We plan to use the property 1-2 months and STR the rest of the time.

Does this seem normal for a florida gulf SFH that's 5 houses back from the beach? Just seems outrageously expensive to me on a 400K dwelling.