A tidbit of homeowners insurance here. BIGTOG'ers tend to be in the know so apologize if it's not pertinent. Review your policy and determine if you are being charged replacement for your land. My land is a little over 3 acres and about 180k if it were an unimproved building lot. Years ago when I reviewed my policy home value was $750-850k and I was paying a premium based on that. I called my insurance company and they knew exactly what I was asking and removed the land value from my policy. For many years, up until the recent inflation hikes, my premium including a million umbrella, was $75 a month.
Caveat: I'm on a small mountain and do not have town water or sewer and everything is solid granite so the only underground infrastructure I have is a 40ft run of electric and water pipe from my well. I also have no issues with flooding or slides or anything else that could seriously damage my property.