(Accessory dwelling units), and some specifically don't allow renting them for profit.Search for "accessory building" also.

Looking at the zoning ordinance quick, the RN zone allows for single family, duplex and attached dwelling units.

You dont put a mound system in until you have a house permit , they are sized to the dwelling 

Some roaches realize an enzyme when they die that triggers other around them to breed.You'll want to find a bate product which they will eat, take back to their dwelling, and kill their entire family LOLThese are actually more environmentally friendly as well. 

Lets say I do season long enough to take advantage of the full exchange, are there guidelines on the value of the new dwelling I am purchasing with that exchange?

The Wind risk is part of the Property Insurance (homeowners, Dwelling/Fire, commercial package, etc.) . 

This includes an umbrella policy in addition to insurance for the dwelling. 

For named storms aka hurricanes you should expect a high deductible set as a % of the dwelling or unit coverage amount.

CA enacted the Accessory Dwelling Unit law that says any SFR can have a 1200sq/ft building as an ADU, and I called the Assesors office and he said I could most likely get one of the buildings coded as an ADU BUT that may require ripping out the 2nd kitchen in the 'main house', which is a deal breaker.

ADU - Accessory dwelling unit.