Some insurance companies have pulled out of insuring homes in Florida. Most insurance companies that do insure homes in Florida, aren't refusing to insure homes that are 15-25-years-old, unless those homes are on the shoreline. Anything on the shoreline is an "all bets are off" sort of thing. We're as far inland as you can get in Florida. Homeowner's insurance in Florida will be stupidly expensive no matter what.
Also, the Historic Section isn't mobile homes anymore. Most are manufactured homes (the phrases mean ALMOST the same thing but there are legal differences), and there are quite a lot of site-built homes. There are also a couple of empty lots available that you can buy and build on.
Lastly, your main concerns regarding insurability should be: is the structure sound? Are the floors, walls, ceilings, electrical and HVAC ductwork in livable condition? Is the roof relatively new and in excellent condition? If those things are true, then the rest should take care of itself.
If it's a fixer-upper or one of the exterior walls shows signs of mold, then the insurance company might have a word or two to say about it.
I just saw a really nice house on San Marino, it was built in the 1990's but the roof was replaced just last year. Has all plank floors, no carpet, the lawn needs some love and so does the little porch foundation in the back yard (maybe just resurface and sealant), for under $300,000. Had 1300 square feet and a pretty cool layout. When you walk in the front door, the kitchen isn't the first thing you see. It's behind the formal living room through a side entrance, and it has its own dining room in the back. Just a couple of minutes from Spanish Springs, north of 466 on the east side of Morse. San Marino has a traffic light so you never have to worry about trying to take a left to 466/Sumter when the snowbirds return and Morse is full up with cars, or trying to take a left back onto San Marino when you're coming from points north.
It's a nice neighborhood too.
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