Very tough to answer without a lot more detail. How much do you have saved for retirement? Are you married? When do you plan to retire?
I think my first step if I was in your situation would be to think about moving. If you are in an area that requires $3,600/year in wind insurance premiums, even if you aren't currently paying for this insurance, this implies you will very likely incur major damage to your home sometime soon. A move could also eliminate your Home Equity Loan if you decide to downsize, rent, or move to a lower cost of living area.
Without any more detail than what you gave, if I were you I would max my 401K at $17,500, then max my IRA at $5,500. These will both reduce your taxes, so instead of "losing" $23K of cash flow, you would lose $15-19K in annual cash for monthly expenses and debt payments (you can absorb this since you are currently paying $30K/year toward the loan). At worst your mortgage rate might jump to 6%, but that would take a crazy turnaround in the economy in which case your investments would likely be making more money anyway so you'll still come out ahead.