I use a golf cart and a 10 to 15 minute one way trip is fine. A car is a little faster. I guess your choice is close enough to walk or within about a 10 minute commune. Don't forget the possibility of noise from the center.
A fire might be less likely than a hurricane so maybe skip insurance??? I would get a homeowners policy with hurricane. Sink hole depends on how close to the ponds you are.
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