Give me honest insight on home/homeowner’s insurance here

I'm in the market to build a cookie-cutter home in the northwest suburbs and want honest opinions of what kind of nightmare I am in for… I've heard stories of insurance premiums skyrocketing, companies pulling out of the area completely, policies being dropped, or even having difficulty finding someone to insure you.

SFH, subdivision w/ HOA, around 400k, not in flood zone that I am aware of; located off 99.
Does it make a difference that I'm building new? What are you guys paying per year?