That is unfortunate. Life isn't fair. Not a judgement call, just an observation of the reality we live in. Can't find a Cybertruck insurer and can't self insure? Sell it. If Tesla wants to sell them, they can provide insurance as part of Tesla Insurance [1], if Tesla believes they can effectively manage the risk of their insured cohort and the modeled vehicle losses. If Tesla won't insure their own Cybertrucks, also sends valuable signal.

I thought I sufficiently covered my position on places people live in my top comment, but to reiterate: we should help folks move who need help moving, and very aggressively, through policy and financial signals, inhibit folks from moving to where the climate risk is beyond an agreed upon collective risk appetite (which sets policy, financial signal, etc). This will make folks sad, but to not will make them more sad when the risk exposure is realized.

[1] https://www.tesla.com/insurance