Answer:
a. the distance of the home from a school
Explanation:
The distance your home is from a flood plain can potentially increase your homeowner's insurance. If your house is close to a flood plain, your insurance will increase.
The distance your home is from a fire station or a fire hydrant either one can lower your insurance. If your home is within so many feet of a hydrant, you get a discount on your insurance; if it is close enough to a fire station, you get a discount as well.
Since the distance a home is from a school has no bearing on the cost of repairing or replacing the home, this will not affect your homeowner's insurance.