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Hurricane Florence flooded Nichols, S.C., in September 2018. It was the second catastrophic flood in the region in less than two years. Gerald Herbert/AP hide caption

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Gerald Herbert/AP

When '1-In-100-Year' Floods Happen Often, What Should You Call Them?

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Flames creep along the cedar siding on a test house hit by blown embers at a research facility run by the Insurance Institute for Business & Home Safety. Ryan Kellman/NPR hide caption

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Ryan Kellman/NPR

Step 1: Build A House. Step 2: Set It On Fire

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First responders walk through a neighborhood heavily damaged by a tornado the day before in Beauregard, Ala., on Monday. The death toll from the storm stands at 23, with victims ranging in age from 6 to 93. David Goldman/AP hide caption

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David Goldman/AP

Workers begin repairs to a wall that was lost in the wake of Hurricane Harvey on Wednesday in Rockport, Texas. Most insurance policies don't cover flooding damage. Eric Gay/AP hide caption

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Eric Gay/AP

In Storm-Tossed Houston Area, Most Homeowners Lack Flood Insurance

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