Like many farmers in this area, he did not have flood insurance.

"Why on earth would we ever have thought of flood insurance?"

Until now, only the federal government has sold flood insurance for homes.

Nearly half the victims did not even have flood insurance.

"We've never made a claim on the flood insurance, but I guess we will now."

Because of this, many people did not have flood insurance.

As is the case across the city, residents with flood insurance are the ones who have started to return.

Others had no flood insurance, or are just out of money.

No one had flood insurance; it was too high to even think about.

There is a 30-day waiting period for flood insurance to become effective.