If we stop to consider it, the denial of insurance could be used as a tool to make citizens compliant on things they ordinarily would never consent to. For instance, insurance could be denied if you own firearms and do not keep them locked up in “approved” safes. Or, insurance could be denied if you own firearms at all! Sounds extreme now, but think back to how things have changed up to now.
I was on North Topsail Island in N.C. shortly after Hurricane Florence came ashore. The only roofs I saw without wind damage were the houses with metal roofs. Costs more to install, but I’m sure the owner’s were happy with their investment.