Re: I'm all right Jack...
Depends on the definition.
Most houses have 50-100mm of loft insulation, using that rockwool floof - EPC calls that "average".
Current recommendation is 240mm, so most houses still "need" loft insulation.
About 15-20% of UK housing stock is pre 1900, and the local councils generally prohibit most or all of the sane and cost-effective ways of insulating these.