ATLANTA (AP) — Many of the states hammered by what's already the deadliest year for tornadoes in more than half a century have among the nation's highest rates of homes without hazard insurance despite being among the most twister-prone, data analyzed by The Associated Press shows.

That means the regions that most need the insurance are often the exact places that don't have much of it. It also means many tornado victims may have a hard time getting compensated for their losses, putting more pressure on the federal government to help even though its assistance is limited by law.

With more than 450 deaths and billions of dollars in damage in the past month alone, regulators are calling for more education about the importance of homeowners insurance and further efforts to make it affordable and available to all. But whether to buy it is still considered a personal choice and there's no push to mandate it federally.

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