Is the world becoming uninsurable?

Where is “here”? Are you sure you aren’t confusing hurricanes and tornados? Hurricanes rarely destroy houses in the US, either.

Good to know. The news always seems to find footage of destroyed suburbs whenever the US is hit by a big one.

How are you making this claim? Every time a hurricane hits Florida, there are photos of entire neighborhoods devastated by wind and storm surge. How many people were permanently displaced by Katrine? Etc. Maybe many of the homes weren't technically "destroyed", but each storm brings millions or billions in damage.

Hurricanes usually don't affect the structure of a house. They might damage the roof, parts of exterior cladding, perhaps windows, and the flooding which accompanies hurricanes destroys personal possessions, interior furnishing, electrical wiring, and appliances.

In the US, manual labor is very expensive, home construction or repair is highly regulated and requires permits and multiple inspections from the local government, and the amount of flood-destroyable stuff - material possessions, furnishings, appliances - in a typical home is massive. As a result, a cyclone which a poorer country would survive with a shrug in the US becomes an extremely expensive disaster.

Hurricanes are common. The general case is they hit hundreds or thousands of square miles and destroy none or at worst a tiny fraction of the homes they hit.

Take Katrina from my friends and family living in New Orleans, you’ll find city streets where none of the houses go significantly damaged. They lost power long enough you don’t want to open the fridge, but most of the city was fine in the hardest hit city from one of the most expensive storms on record.

A lot has to do with infrastructure.

In most of South Florida basically anything left standing is pretty well built to withstand hurricanes.

A category 1 storm hitting NYC or North Carolina is an unbelievable disaster. A category 1 storm hitting Broward County is usually disruptive to everyday life but that’s it.

Over 200,000 homes were damaged or destroyed in Katrina:

https://en.wikipedia.org/wiki/Reconstruction_of_New_Orleans

Not sure how that is a "tiny fraction" of homes. $125 billion in damage (2005).

Moving the goalposts from destroyed to damaged gives different results.

The issue is most to the city only sustained water damage, a solid chunk of the city is above the water level and was absolutely fine. Moving outside the city most homes in Louisiana, Texas, Alabama etc don’t need to worry about flooding.

It sounds like we're quibbling over the definition of "destroyed"... if a home is rendered uninhabitable for days/weeks/months, I'd consider that "destroyed" even if the framing is in fact salvageable.

And certainly as it relates to insurance, the trend sure seems to be well on it's way towards "coastal Florida is insurable" (either the price goes up beyond the means of the residents, or the insurers leave the market). Something like 5% of the state is covered by Citizen's Property (the government insurer of last-resort). Some coastal areas are ~10%. I have to imagine it won't be long before it's cheaper to pay people to move elsewhere than rebuild where they are.

adaptation to hurricane winds has largely been done in many parts of Florida; adaptation to storm surge is possible and some cities are beginning to.

the issue for Florida is that the state is made of permeable limestone, so it’s not possible to engineer around sea level rise. not so much an insurance issue exactly though, because it’s not a one-off disaster.