Trail town
The Withlacoochee State Trail is 47 miles long, one of the longest paved rail-trails in Florida. It runs through Citrus, Hernando and Pasco counties between Citrus Springs and Dade City, with a trailhead at 3100 S. Old Floral City Road in Inverness. It's free, open 8 a.m. to sunset, and designated a National Recreation Trail (Florida State Parks).
Living in Inverness
[GREG: add your take: lakefront vs. in-town, Inverness Highlands, price character, who it fits]
Lakes and flood risk
Lake and low-lying parcels can still sit in a flood zone, even far from the Gulf. The county notes flooding "can happen anywhere, not just near rivers, lakes, or the Gulf." Check the FEMA map and get an insurance quote first (Citrus County, FEMA Flood Map Service Center).