As costs go up to maintain a community, those costs are passed on to the homeowners in increased HOA fees. That includes insurance, utilities like water for community landscaping, landscape maintenance, etc. And if something in the community needs repairs, there has to be sufficient funds to pay for it or they'll issue an assessment, so either way you'll have to pay if you want to live in that community.
That's the good and bad of living in a neighborhood with an HOA. You live there because its beautiful and well maintained, and your neighbors are prevented from doing things to bring down the value like paint their property a weird color, leaving trash or abandoned vehicles in the yard, etc. The bad is someone has to pay for those services.