We have flood insurance, but we also live a block from the open ocean lol. It's cheap enough. I think we pay like $400 a year. Ah yes, kids driving golf carts...it's crazy-making after a while. I'm not sure how they do it without licenses. I think it's probably not exactly legal. Golf carts are really common in Viera.
There seems to be quite the live music scene here. My oldest child is in orchestra so that's the extent of my involvement, but we do a LOT of events with the orchestra. Brevard has a symphony orchestra, a youth symphony orchestra and lots of places with live music. The king center gets some pretty big acts in occasionally too. Also, community theater seems to be really big at least in my area. A lot of people are really into it.
In my area a lot of people go to Meg O'Malley's and other places in Downtown Melbourne for live music, but I'm sure there are places closer to you in Viera. They Eau Gallie Arts District has all kinds of art-related stuff so I wouldn't be surprised if there are bands over there too. I'm sure getting a band together wouldn't be difficult here. Are you on Nextdoor for your new neighborhood yet? Once you have closed on the house I think you can probably join. That's a great place to get info, arrange meetups with like-minded people, etc. Also, for beachside people it's a fantastic tool during storms. I imagine it's similar for Viera folks.