If you live in an area considered high risk (such as a flood zone), have bad credit or a history of doing many claim, then you will likely be difficult to find an insurance company sells you a policy. But there are several things you can do.

Do not give up quickly, find a private insurance company.

Private insurance is the cheapest option. There are companies that specialize in insurance for high risk customers. (Generally, it also helps if you want to insure your car and your home with the same company.)
Get help for high-risk insurance.

Find out what your state offers

Every state has a high risk group with which you can get insurance if you do not find a company that secures it. This insurance comes very expensive, but it protects you if it is stolen or if your home has a lot of damage or destroyed by natural disaster or accident.

To learn how to obtain this insurance in your state, call the insurance commission in your state.