My main question is: Why are you building a Flash website?
In truth, Flash should only be used for elements within a site where Flash is the BEST option for delivery. A website should NEVER be created entirely in Flash. This was a practice that some companies did years ago (and unfortunately some still do) when Flash was new and intriguing...but has since been found to be detrimental to the user-experience as well to web business goals (such as getting your site listed in Search Engines).
I understand that many people believe that adding "animation" or "flash" makes a website more professional or seem "prettier" to the client, visitors, etc. This is a myth. (and often ends up doing the opposite) What makes a website valuable to the end-user or visitor is effectively presenting the information that they came there looking for. In essences, making it "easy to do what they came there to do".
Recent studies show that website visitors will measure a site more "fun", if they can easily find what they were looking for. A user`s measure of "fun" is not realated to graphics or animations. (unless they came to the site looking for graphics and animations!)
Now....this is GOOD news for you. As "storybookstudio" mentionned above, Flash sites tend to cost more because it takes longer and requires a specific skill set to develop Flash. Since it doesn`t sound like you are really looking for "Flash", but rather a darn good website...let me point you in the right direction.
Check out www.templatemonster.com. This is a site that sells website templates for all makes and models of businesses. They are very cheap, with the average price being around $60.00. Some of these do contain Flash, but I`d look for the ones that offer a non-Flash version. You will defintitely need someone to customize the template for your business, so if you have a web developer or designer in mind....great. If not, Template Monster also offers this service. (I should make commission off of them for the number of times I recommend this site....but it ranks up there among my top ten favorite sites!)
If you need me to go into more specifics as to why Flash can be evil...and how to use it appropriately...let me know.
Good luck with your new site Ruth!