Yes. I recently used the online calculator and it quoted me $4200/yr for $250K of coverage.

I live in a "zone X" neighborhood. Interestingly, it appears that significant areas around me are all "zone X" but personal experience and common sense show vastly different flood risks. Meaning there are lots built on the edges of "100 year" flood areas in "zone X" and properties 50-100 feet higher in elevation in the same neighborhood. Surely the risk would actually be quite different? I guess the models aren't particularly fine-grained.

You can play around with the calculator at: https://www.floodsmart.gov/policy-quote/

There are a bunch of available spreadsheets with costs by state/county that show some stats on those costs but I don't have the link handy.