One in seven (14.1%) American homes are uninsured, according to an Insurify analysis of data from the American Community Survey (ACS) 2024 1-Year Estimates. In the states most vulnerable to climate catastrophes, that ratio rises to 1 in 6 (16.2%).

For this analysis, Insurify defines “uninsured” as homeowners who reported spending less than $100 annually on home insurance — meaning they likely aren’t buying coverage at all. A mix of unaffordability and climate risk likely explains this lack of coverage. 1

The 10 states with the highest uninsured home rates have average median household incomes that are at least $25,000 lower than average incomes in the 10 states with the lowest uninsured rates. For example, Mississippi, West Virginia, Louisiana, and Arkansas — the four states with the

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