A generalized formula for wave instability is developed for an anisotropic non-uniform plasma with finite flows and temperatures. Six-moment fluid equations are solved to give the analytic expression for wave instability in arbitrarily non-uniform plasmas. The analytic formula explicitly states the dependence of wave instability on non-uniformities of number density, flow velocity, and anisotropic or isotropic pressure. The accuracy of formalism is verified by a numerical calculation of implicit dispersion relations in complex Fourier space. The analysis shows that non-uniformity plays a critical role in plasma instability, while finite flow and anisotropic temperature modify the instability induced by the non-uniformity. The instability diagram and associated instability criterion for anisotropy-driven instability are introduced as applications of the formalism.