In answer to your question regarding homeowner's insurance, regardless of whether you will be obtaining FHA or conventional financing, all lenders do require insurance. The only way you are not required to obtain insurance, is if you own the home free and clear.
There are several units that reflect as available in Bent Tree, some of which are condos and other that are townhouses. In the condos, the homeowner's insurance is included in the monthly association fee, while the townhomes do not have homeowner's insurance coverage. In addition, if you chose to purchase a townhouse unit you would be responsible to any roof repairs or replacement. That of course is something to keep in mind.
If you have any further questions, please feel free to ask. Good luck on your home search.