Millions of Homes Across the US Remain Uninsured Despite Growing Disaster Risks

A new LendingTree analysis reveals that nearly 1 in 7 owner-occupied homes across the U.S. are uninsured, with 13.6% — or 11.3 million — lacking coverage. This troubling figure underscores a growing concern as natural disasters increase in frequency and severity, and insurance becomes harder to afford or obtain. Homeowners in some of the most vulnerable regions are going without the critical financial safety net insurance provides.

The states with the highest percentages of uninsured homes include New Mexico (23.3%), West Virginia (23.0%), and Mississippi (22.9%). In many cases, homeowners in these areas face unique challenges — such as separate requirements for windstorm or flood insurance — which may contribute to gaps in coverage. Industry expert Rob Bhatt notes that even common claims like wind and hail damage, or house fires, are often overlooked when homeowners assess their insurance needs.

Metro areas show even starker contrasts. McAllen, Texas, leads the nation with 43.3% of homes uninsured — more than double the rate of the next metro. Florida cities, including Miami and Cape Coral, also top the list despite being in hurricane-prone zones. Among the 25 counties most at risk from natural disasters, Florida dominates, with Miami-Dade County having the highest uninsured rate at 23.5%.

Experts urge homeowners to reassess their coverage, consider high-deductible policies to reduce premiums, and consult multiple insurance agents for better options. With disaster risks rising, being uninsured could result in devastating financial losses that many homeowners can’t afford to face.