I tried searching the forum for this topic but it kept timing out. My understanding of FDIC insurance has to do with the type of Account Ownership Category (IRA, Individual, Trust, etc.) and each category can have FDIC insurance up to the max of $250,000. There are creative ways (multiple account categories, multiple trusts, etc) to increase your coverage beyond the standard $250,000. Here is a link to an older example
http://www.marketwatch.com/story/how-families-can-get-35m-in-fdic-coverage-1329172519053I am feeling a little exposed that the majority of our stache is between a 401K, 529, Roth IRA and a Taxable account. All of them are over the $250,000 limit and that exposes us more than I like but I enjoy the simplicity of having fewer accounts (but maybe that is not the best option). I know other people who spread their investments across multiple institutions to decrease their risk.
I was curious what other people have done to decrease their exposure to some sort of banking industry meltdown (which I understand is a low probability but a risk none the less.).