I forgot to add one other positive: our neighborhood does not flood whatsoever. We are in flood zone X. We went through 2 hurricanes last year and there was zero flooding on our street AND we are the most elevated house on our street which gave us even more reassurance. Our neighbors reported zero flooding during Ian as well, which was a direct hit to the area.
Our home insurance for a year cost under $1,300 and flood insurance was under $900- but we later realized that flood insurance was truly not needed here.