Unfortunately owning a home doesn't insulate you from that. My homeowners insurance jumped from about 350/year to about 1400/year during the last recession. And property taxes jumped from 5K to nearly 9K. This is over a 10 year period.
I also know that my comparative insurance is less because I live off the ground floor in an apartment block with restricted/limited access and hard concrete construction.
Any desire to tax non-dense/dense properties at similar or different rates is a particular policy choice, and on a cost ratio basis the denser living choice often ends up being cheaper because resources can be pooled and shared.