I have house insurance and it's easily attainable, but I'm north Florida. My insurance is about $1500, but there is no city, county or state tax, which more than makes up the additional cost of home insurance, by hundreds, possibly thousands of dollars.
Where ever you live, there are problems with weather. Back in Ohio we had a blizzard, many, many, many years ago, numerous people died, terrible devastation. Also, Tornado's every spring/summer, I know, as I seen first hand, how awful. The big bonus, living in Florida are year round cruise-ins, car shows and our Redeye gets exercise every week, year round!!!
Bottom line, you have to decide where you want to live, everyone is different. I've known folks that live in northern Alaska and loved it! I don't understand that, but I'm glad their happy!