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You should consider a direct vent insert, since they use outside air and are efficient (80%+).
I will be having one installed in my townhouse in a few weeks, but have not selected a brand yet, but there are many good brands. I am a mile or two east of you.
Go to a place like Fireplace Hearth & Home (???? - completed name a blank now) on Cleveland Avenue (?), north of county road C. They have many different brands and models on display - it is a good place to go and learn.
Where you live, the the gas piping will probably have to be installed by a licensed person (plumbing, not just HVAC) or you could run into code and insurance coverage problems. North Oaks does not fool around and that is why people live there.
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Dick
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