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It's MORNING EDITION, from NPR News. Good morning. I'm Steve Inskeep.

RENEE MONTAGNE, HOST:

And I'm Renee Montagne. A year after Hurricane Sandy, the recovery in some of New York City's hardest-hit neighborhoods is far from complete. In the borough of Staten Island, some families have been rebuilding their homes and their lives. Others are ready to sell their flood-damaged properties and move on, and many others seem to be caught somewhere in the middle, as NPR's Joel Rose reports.

JOEL ROSE, BYLINE: After Sandy, the south shore of Staten Island looked like it had been hit by a tsunami. The storm surge devastated whole neighborhoods suddenly, in a matter of hours. But the recovery has been slow and uneven.

JOE SALLUZZO: There's a house over there. It's empty. This house is empty. A couple more down that are empty.

ROSE: Joe Salluzzo lives in a neighborhood called New Dorp Beach, a few blocks from the ocean. He rode out the storm on the second story of his brick bungalow, which he's been repairing himself ever since.

SALLUZZO: People, they're coming back little by little.

ROSE: Are you staying?

SALLUZZO: Yeah. I'm not going nowhere. This is the only house that I got.

ROSE: Around the corner, Linda Azzara is basking in the sunshine on the deck in her front yard. A year ago, she was clinging to it for dear life as the flood waters rose.

LINDA AZZARA: We were the last family rescued here. They took us out from the top step, in a boat.

ROSE: Today, Azzara's yard is immaculate. And her house is in good shape, too. But Azzara says the repairs cost her $80,000 out of her own pocket. Azzara says her insurance company was no help. She says few of her neighbors saw any payments from theirs, either. Officials at FEMA say they've distributed more than $8 billion in total disaster assistance in New York. But in her neighborhood, Azzara says that help has been inconsistent.

AZZARA: I think it was who came to your house. If you were lucky to get somebody with a little heart, they helped you. If not, they gave you $200.

ROSE: Azzara has a red-and-white sign on her fence that says: We are staying. You see the same sign in windows and front yards up and down her block. But for many of her neighbors, the hard work continues.

(SOUNDBITE OF DRILLING)

ROSE: Electricians are still working on the house next door. A few houses on the block have new windows and doors. Others look like they've been abandoned since the storm.

SCOTT MCGRATH: Everybody thinks a year later, we're New York, and it's - everybody's fine and dandy. No, it isn't. It's real out there. It's still a lot of people needing help.

ROSE: Scott McGrath lives across the street. He and his wife started a non-profit organization called Beacon of Hope New York to help rebuild the neighborhood. They made the yard signs that say: We are staying. But McGrath admits that not everyone will. Like many of his neighbors, McGrath has to decide whether to meet new requirements to raise his house further off the ground or face a huge jump in his flood insurance premiums.

MCGRATH: You can walk up and down the block, and you're going to see for sale signs in a lot of areas. They're selling their homes due to the fact that they're not going to be able to pay that flood insurance, so you might as well cut your losses now. A lot of people are going take a hit on their property.

ROSE: Homeowners across the region are finding they can't sell their houses for anything near what they were worth before the storm. But in another part of Staten Island, there is one big exception to that rule.

SAMANTHA LANGELLO: It kind of just melted. The saltwater, like, just ate through the sheetrock.

ROSE: Samantha Langello opens the door to her house in the Fox Beach neighborhood, or what's left of it. Sandy was the third big flood here in five years. So, when the state offered to buy these homeowners out at pre-storm values, almost all of them jumped at the chance. Real estate broker Joseph Tirone, who owns a rental property in Fox Beach, helped organize the effort. Tirone says the first checks went out this month.

JOSEPH TIRONE: Rebuilding was not an option here, not in this area. When they start getting their checks, I think initially, they're going to be extremely happy. But I think walking away from their home, I think that's going to be tough on them.

LANGELLO: Sad and relief are probably the two main emotions.

ROSE: Homeowner Samantha Langello, toting a two-year-old on her hip, says it's not easy to watch the neighborhood where she's been raising her two young children turn back into marshland.

LANGELLO: When I come here, when I think about them knocking it down, it's super sad. Like, I can picture my son being, like, my daughter's age and - I'm sorry. I've got to take a second.

ROSE: But at the same time, Langello knows her family is lucky to be getting the buyout.

LANGELLO: You get a little tired of picking up your wet, sea-smelling clothes and going through things to see what you can salvage. In that sense, I'm relieved that I won't have to deal with the clean-up ever again.

ROSE: Langello hopes other Sandy victims can know that feeling, too. But for most, that sense of relief may still be months or years away. Joel Rose, NPR News, New York.

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