I honestly think that in 5 years the only insurance you will be able to get within 100 miles is government sponsored insurance similar to the flood insurance policies that are out there now.
I don't know about 5 years, but we have to start thinking about other business models for insurance. The original idea of insurance is to pool money and provide for those when they have a loss. Unfortunately, insurance companies see all that money as their own and refuse to pay valid claims, often engaging in bad faith practices. They rely on state courts not enforcing bad faith laws, like here in Texas where the Supreme Court virtually refuses to nail insurance companies when they don't pay valid claims.
All this business about tort reforms and frivilous suits. What people don't understand is that when you have a claim the insurance company doesn't want to pay, they'll hire a law firm to write a coverage opinion for the sole purpose of getting out of that claim. Its hard to find your own attorney for first party insurance litigation, so you may be left high and dry.
government sponsored insurance similar to the flood insurance
It makes no sense to insure bldgs in flood zones. People shouldn't build in flood zones nor build on beaches in storm areas. If they do it should be at their own risk, not mine.