Only parts are uninsurable. If a house was built after 2005, it was done with updated hurricane codes. Most are built up higher, have hip roofs, and have their roofs strapped down to cinderblock walls with cement filled in the corners. All new roofs have a "sealed deck". The uninsurable are going to be on the coast (although you can mitigate this in a lot of cases) and low areas.

Side note: all insurance claims are subsidization.