Yes I had this problem last time. For my first I was less than 5 mins from hospital, with my second I was an hours drive. I fretted about it too. I knew I could not drive myself to the hospital, and living in a remote area, getting an ambulance would not be very quick.
Have to say that when the time came, I was two weeks early and my dh and nearest neighbours went out for the evening. So I gave strict instructions for dh to monitor his phone at all times, but to enjoy the evening as it might be his last night out for a while. The inevitable happened, I started contractions about an hour after they left, I did all the normal things of bath to slow things down, relaxing and waiting. When the contractions started to get closer together and a bit more regular I rang..... only to find his mobile out of range !!!. I kept ringing in the hope that it was temporary. (turned out it was switched off!!!) So I am in a remote house with 15month old asleep in cot, with no neighbours nearby and totally unable to get myself to the hospital!!!!
Well eventually by the time they got home, my dh had been drinking so could not drive, one of my neighbours then had to look after my ds, while the other drove us the hour long journey to the hospital, fortunately my contractions had got stuck at 5 mins apart. Got examined at the hospital only to be told I was not in established labour, ho-hum. All the worry for nothing. However what did happen was that I kept having contractions on and off for the next three days so the doctors would not let me out of hospital as they said it was too far to go. Eventually I knew I was in labour for real (had a job convincing the midwives!) and when they examined me I was just 3cm, called my dh who immediately drove to the hospital and an hour later duly arrived as head was crowning.
Sorry I have waffled on with my story here but just wanted to let you know that your worries are not unfounded but that things do have a habit often of working themselves out.
I am now pg with no.3 and decided rather than the hourlong journey in labour, I am hoping to have a homebirth, makes me much more relaxed about it all. I know my midwife can be with me in about 15 mins max, and that she has reassured me that any problmes that arise she will know it time if I need to transfer to hospital, that the journey will not be a problem as she would be will me with all the things necessary if we did not make it to the hospital on time. But hopefully all will go smoothly at home anyway.
Had you considered a homebirth? Have you got any relatives/friends who can come stay with you in the couple of weeks before the baby is due? You will not be able to drive yourself if you are in labour so this is the important factor to calculate, ambulance or other person able to drive you to the hospital?