I paid about $1,100/year for $1M in coverage ($250K for fair housing violations). 

I'm still researching the subject in comparison with Umbrella coverage, etc.

I also noticed Wilmington has a comprehensive plan for 2028 city development regarding mild restructuring of public transportation that may enhance the city a bit.Does anyone have any thoughts regarding which market might be better to tap into as a new investor?

What options have you folks looked into to maintain coverage at a reasonable rate? 

Your credit will still matter, but the lender is more concerned with the quality of the deal and Debt Service Coverage Ratio (DCSR).

It's a $50 flat fee for an owner-occupied, SFH.For property insurance...which is almost always completely and totally different/separate from flood insurance...it's "named storm" coverage in areas that are high risk for that, that can send rates off the charts. 

Obtaining accurate, ongoing and comprehensive data is not easy because you can't simply write a program to go do it for you.Currently, the two most reliable sources for real estate data are MLS data and Appraisal data.

Though I will say this is a great December and despite the harsh winters, I don't plan on leaving either.We currently manage rentals in Sterling Heights, Clinton Township, Warren, and Roseville so most Macomb County is within my coverage as well.

The amount of your relinquished property, the purchase price of the raw land, value of construction, and debt coverage needed for the 1031 are all elements that could dramatically shape the best path forward. 

NYCM insured a 6-unit we have but we went to CSAA for better coverage & price.