It's been ages since I've been to WDW, so take this for what it's worth:
I really wouldn't let the prospect of hurricanes kill my November vacation (obviously-- I'm a teacher, so I'm going in August-- prime hurricane season.) You're going at the very tail end of the season. (Hurricanes need warm water to thrive. By the end of November, they're a rarity. August, however, is another story.)
Also, keep in mind: Orlando is an hour inland. Even if a hurricane did hit, they're pretty good at battening down the hatches at Disney. They live in Florida; they know the drill. I've read several accounts of people here who did manage a trip during a hurricane; each spoke of one day stuck in a resort, then back to business the next day.
The rates are higher because you're right around the corner from Thanksgiving. Lots of parents hook a trip onto Thanksgiving break, figuring the kids will get a longer vacation and miss fewer days of school.
I don't think the hurricane-connecting airport link is an important one. Airfares are so high, just do the best you can. You might consider looking at
www.bookingbuddy.com for flights.
We did opt for
trip insurance. While we probably could have gotten it cheaper elsewhere, we got the $100 policy offered by
AAA. That way, should someone come down sick or something, we won't lose the vacation I've spent over a year (and several thousand dollars) planning.
Don't worry, and have a great time planning your vacation!!