I live in a "low crime" area too.
That don't mean some crack-head or meth-mongrel won't stray into the area.
My kids are grown and gone, my girlfriend's kids are grown and gone save one.
I have a pistol on my desk, one under my pillow, one under her's, shotty beside the bed, one behind the front door, etc. All throughout the house.
No, I'm not paranoid, just prepared for just about anything.
I understand the situations with SMALL children, but that is when you should start their training.
My dad gave me a Marlin .22mag for my 6th birthday.
Both my daughters are crack shots, as is my grandson( I'm working on the granddaughter).
Don't be scared of your kids finding your guns, they will.
It's up to YOU to teach them what to do when they do find them or need them.