"The world" is only becoming "uninsurable" because insurance companies want to have their cake and eat it too: they want your insurance premiums every month, but they don't want to pay out, so they'll find every excuse under the sun to do the former and not do the latter. This applies to more than just houses, of course - as anyone who's been denied coverage for healthcare can attest (and then the executives of these corporations wonder why people might want to kill them...).

If insurers were publicly-owned and publicly-operated, instead of being profit-driven corporations, then maybe being "uninsurable" wouldn't be such a common phenomenon.