If you want to increase the number of ppl that buy insurance, then by all means, lets:
1) not give free money to everybody to rebuild there. I would have us help with at most 1/3 of the costs, but preferably 1/5 is far more correct.  
2) require that those areas put in decent regulations. Houston KNOWS that it is a flood plain and allowed the building of homes in those without requiring any real changes. 
3) stop giving them free money to rebuild with. Help them with surviving, but, by giving them 160B to rebuild with, Texas and other red states will continue to skip their part and steal from the feds. As it is, we paid out 120B for katrina, and only 60 B for sandy. Oddly, sandy was a bigger hit, and with more ppl. What was the difference? A lot more ppl in sandy had insurance.