I've been keeping an eye on the Insect collectable post and it seems that I am the only one that is having this problem. I've been playing for over 20 hours and through lots of rain and still have not seen an insect. I decided to try the suggestion in that post, to use a mod that changes the colors of the collectables and created rain for 2 of my families. Not one single insect showed up through 20 minutes of rain. I still have it running and I keep checking, but the bugs are a no show.