Depends where your “flood zone” is… If your coastal you get heavy subsidies, if your inland (barring being near some large rivers and lakes) you are subsidizing the coast.

I have to pay flood insurance for a dry brook that hasn’t flooded in its history. It costs over $1,200 a year for my 160k house. If I could get private flood insurance the cost would be 2 to 300, possibly even less.