Do you have a community midwife who knows you and your history, and who is experienced with home births, whose advice you could ask, Shelly?
Most hospital doctors will have little or no firsthand experience of home birth, and they tend to see the births that are less straightforward, which can give them a skewed view of birth - if the majority of the births you see are complicated or difficult deliveries, you will tend to assume that that is the actual percentage of complicated deliveries in the general population. I think sometimes this can give them a somewhat pessimistic view of childbirth, and that can, IMO, make them less keen on home births.
A community midwife who is experienced at home births will be able to tell you what happens if there is a PPH after a home birth - how dangerous it is, what they could do (if anything) to treat it at home, and when someone with a PPH would need to transfer as an emergency to hospital.
IMO, you need more information than the doctor has given you - you need to know why she is saying you are at a higher risk of PPH! and how high your risk of a PPH is.
Then, with that information, you can talk to a community midwife, and explain why you are at higher risk and how much higher that risk is, and then you can ask her whether she would be willing and happy to deliver you at home, and ask her to explain her rationale behind her answer, whatever it is.
Then, based on that information, you can decide if it is a risk you wish to take.
If you decide against a home birth, have you considered a Domino?
I had two home births - both times my obstetricians were unhappy about the concept of me having a home birth, because it was a somewhat older mother, and I was overweight. But my community midwives, who were very experienced with home births, and very keen on promoting them, thought that I would be fine to deliver at home, and we went ahead - and I had two lovely home births, with d2 and ds3.
I felt that my midwives were being entirely honest and straight with me, and I trusted them, and their skills, knowledge and instincts 100%. If, at any point, they had said they thought I needed to go into hospital - even if it had been that they were getting a bad vibe that they couldn't quantify - I would have trusted them, and gone in.