More than 13% of homes in the U.S. are not insured, according to a report by LendingTree.

Of the 82.9 million owner-occupied homes in the U.S., 11.3 million are uninsured, the data showed, with many homeowners assuming they don’t need coverage because their properties aren’t at risk.

Key takeaways…

• Among the largest U.S. metros, McAllen, Texas, has the highest uninsured rate — by a massive margin. 43.3% of homes in the Texas metro don’t have home insurance, more than 20 percentage points higher than fellow Texas metro El Paso at 23.0%. Miami (21.0%) rounds out the top three.
• Florida’s Miami-Dade County has the highest rate of uninsured homes among the country’s most at-risk counties. Considering the 25 counties with the highest National Risk Index (NRI) scores, Miami-Dade County tops the list at 23.5%. Fellow Florida counties — Broward County (22.7%) and Lee County (17.9%) — follow.

“For most people, your home is your most important investment, and it’s important to protect that investment with insurance,” said Rob Bhatt, LendingTree home insurance expert and licensed insurance agent.

However, “Insurance has become more expensive and harder to get in recent years,” he added. “This is putting people just one disaster away from losing the physical and financial security their home provides. A major disaster like a hurricane or tropical storm could leave a lot of people without enough resources to rebuild their homes. This could have tremendous consequences — not only for the affected individuals but the entire community.”