Lack of flood insurance slows recovery for many

Hundreds of people are trying to rebound after last week’s floods and a lack of flood insurance is slowing the process for many.

“Toys, books, tables, bedroom sets, everything you can think of in the house is pretty much ruined,” Emma Lee, a Foley resident said.

Lee’s yard was so full of her family’s belongings this week, they had to put an anti-yard sale sign up on their lawn.

“This area is actually not considered a flood zone, so we never ever thought that something like this would happen,” Lee said.

Yet her house still filled with nearly four feet of water in some spots. She was far from alone in the uninsured crowd.

“A lot of people have a misconception that they can’t get it because they’re not in a designated zone. But not only can they get it, they can it a whole lot less expensive than being in the more high risk designated areas,” Mike Howell, the building officials for Baldwin County, said.

Howell told FOX10 News that the damage from the storms was very extensive, even if you just looked at the unincorporated areas.

“We, in the unincorporated area of Baldwin County, have documented 310 houses and businesses, which totals a little more than $15 million worth in damages,” Howell said.

That’s where Lee’s house happens to fall, just off of U.S. 98 on the edge of Foley. Luckily for her, about 20 volunteers from the Southern Baptist Disaster Relief came to her neighborhood to lend a hand.

“They are pulling the dry wall, they are pulling the vanities, they are vacuuming, drying everything that basically needs to be done to avoid any kind of mold,” Lee said.

Even at that, Lee said she’ll definitely take another look at having insurance on hand.

For those who would like to learn more about FEMA relief funds, click here.

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