I fly over houses sometimes, but not very often. Shame on me. I do take precaution however, where I can, when I can, such as flying over streets the majority of the time, avoiding busy boulevards with lots of cars. I also try to stay at least 300' AGL when above houses to minimize the noise annoyance, and I always avoid hovering over or near homes. That's a red flag. I'll also take advantage of flying over fields, parks, golf courses, or schools when there are few people. I never from from my house though. Most of my flying is in hills, mountains, or over water, very low risk. Last weekend it was Napa Valley, flying over vineyards.