If a private insurance company won't insure you, then they're probably telling you that the place you live is basically uninhabitable for any number of reasons.
Few years back I remember a little topical storms, Francs, I live right next to a marina, people were deliverately sinking thier boats to collect insurance fema monies. I stayed up all night fending off and retying lines to keep mine safe. I think fraud is one reason insurance companies are abandoning east Texas. I havde seen homes rebuilt that EVERYONE knew would be ruined in the next heavy rain! Crazy, unless it's done just for the insurance money. In a sane world State Farm would insure me, once every hundred years is not a bad bet.