I finally looked up chilling hours, and I was surprised! There is a range of acceptable chilling hours. Also, if you don't have enough chilling hours, you can get a little chemical help to get some fruit set. From wikipedia:
A four-year study of Ruston Red Alabama peach, which has a threshold of 850 chilling units, demonstrated that a seasonal chilling deficiency of less than 50 units has no effect on harvest. Deficiency of 50 to 100 units may result in loss of up to 50% of expected harvest. Deficiency of 250 hours and more is a sure loss of practically whole harvest; the few fruit will be of very poor quality and have no market value.[7] Rest-breaking agents (e.g. hydrogen cyanamide, trade name BudPro or Dormex), applied in spring, can partially mitigate the effects of insufficient chilling. BudPro can substitute for up to 300 hours of chilling, but an excessive spraying and timing error can easily damage the buds.[7] Other products such as Dormex use stabilizing compounds.