The insurance rate has to do with wood vs concrete, type of roof, etc. It's about fire retardancy and hurricane withstanding qualities...not so much distance to the fire company or crime, or if you have a hydrant. It might also have to do with history of insurance for older homes, and whether it has survived a hurricane.
God Bless anybody that has built a house in the last ten years, but you dont know nuttin unless your house has been through 75 mile an hour winds or a 4 foot storm surge!