Are flood insurance premiums more expensive in high-risk flood areas?

Answer: In some cases
Explanation: Not necessarily. It may be less expensive due to the likelihood of a flood occurrence. By more homeowners needing to purchase flood insurance, could very well bring the price down.

Answer: Not sure
Explanation: Not sure

Answer: Yes
Explanation: Yes, if you live in a high-risk area your premiums will be higher, but you can offset that by having a higher deductible.

Answer: Yes
Explanation: Flood insurance rates vary depending on the zone.

Answer: In some cases
Explanation: Expense is relative. Many homes near water are expensive properties, but it's always more expensive not to have it.

Answer: Yes
Explanation: The flood insurance rates are based on the flood insurance mapping done by FEMA and the NFIP. (https://msc.fema.gov/portal/search?AddressQuery=95747#searchresultsanchor)