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Relatively few homes hit by Harvey have flood insurance. Reuters/Carlo Allegri

How flood insurance works: 6 questions answered

The federal government created a program in 1968 to insure homes in the US from flooding, yet few of the houses hammered by Harvey's record rainfall were covered.
Two people walk down a flooded section of Interstate 610 in Houston in floodwaters from Tropical Storm Harvey on Sunday, Aug. 27, 2017. AP Photo/David J. Phillip

Americans who live far from coasts should also be worried about flooding

As Hurricane Harvey shows, flooding can happen wherever large storms stall and dumps lots of rain. A new study finds that development is increasing in flood zones inland, where people may not think they are at risk.
Hurricane Wilma in 2005 was the last major storm to rock Florida – and its insurance market. Carlos Barria/Reuters

When catastrophe strikes, who foots the bill?

Even though Hurricane Matthew has been downgraded to category 3, it's expected to cause substantial damage to Florida and other states in the region. The question is, who pays.

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