A Samoan insurance company says about 8 out ten people in Samoa do not have insurance cover on their homes.
Cyclone Evan claimed five lives and 12 people are still missing when it swept through on Friday.
Many homes have been damaged or destroyed but Apia Insurance Company's spokesperson, Lutu Somomona, says insurance is still a foreign concept in Samoan culture.
She says most people are living in homes built with remittances from family overseas and the cost of insurance is the last thing they consider.
She says insurance premiums are likely to rise as companies pay out on damage.