Ehhhh... worst you will have to deal with being in a development in the middle of an urban area is some smoke in the air. We could lose our home in a forest fire. But I can't make it rain when we really need it... mid to late summer into early fall. That is what happened during the Nino summer of 2015. That had to be the sunniest June in history and it was in the 90s over the 4th and then we had several rain events and zero smoke the rest of the summer. The world was going to end according to some and then nothing happened.