No doubt it is a risk to fuck a married woman both for you and for her. When you also fuck her in her own house there is the possibility that her husband shows up unexpectedly and does not feel very good to see how his wife is riding your cock, but if she is also your neighbor your wife can also catch you. Of course it is very risky to have an extramarital affair, but it is one of the most morbid things you can live and it is normal that you assume that at any given moment you can be caught. But, of course, you can’t be caught!