At our previous house, we were 4.2 miles from the fire station, and our pond cut our insurance by some amount. Without it, however, we would have had to get special insurance. At this house we are 2.1 miles from the fire station, and it doesn't make any difference. The pond also doesn't show up on our valuation, nor did it come up when this place was appraised. Heck, the 2000 square foot "barn" with heat and electric, which was used as the living quarters by the previous owner when they were building the house, didn't even count. It was just an "outbuilding" with zero value.
