Dogs should be on a leash at all times. They do not belong at the mail boxes to do their potty training. There are places to take dogs in the villages to play. Some people who have dogs put up electric fences around their property to help protect the dog. Yes, there are some predator animals around the water and in the water. A few in the air also if the dog is very small. But any dog on a leash is safe. As for bugs yes you need to spray your own area if you don't want them in your lawn. But only use sprays that will not hurt the animal. I have a small dog and never had any problem.
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