Why does the population figure look so high for the town?
Because Census counts people in group quarters, including correctional facilities, in population but not in households. Florence has a large institutional population. The households figure, 6,719, is the one that describes the residential market.
My house is adobe. Can you insure it?
Usually, with the right carrier. Historic construction needs a company that understands what rebuilding in kind costs, and that is a shorter list than for frame houses. It is exactly the sort of thing worth shopping rather than defaulting.
Is my historic home worth more to rebuild than to sell?
Frequently, yes, and that gap is the thing to insure against. The dwelling limit should follow reconstruction cost, which for period construction is considerably more than the market suggests.