LOL My back yard ends at a salt water canoe run -- the other side is mangrove. I live four houses down from an inland bay, across the street from a lake, 8 houses down from Tampa Bay and about 15 miles from the Gulf of Mexico. I'm supposed to be 12 feet above sea level - but when I stand at the edge of the water and look back at the house, it looks more like 8 feet. If you're ready to insure me, I'll send my address...
I hope you realise that I was using "you" as a generalized example, without any knowledge of your specific circumstances.
I would probably still insure your house, but I bet the major companies would do it for less :-)
However, it sounds like i might want to LIVE in your house :-)