Residents in Carthage shake their head.
"I don't have nothing,” says homeowner Elubio Ordonez.
Homes devastated after the flood.
"I don't know what I'm going to do."
His 16-year-old son Danny says Coming back home to see to see my neighborhood like this is different because everything at first was looking all nice, just this part was getting bigger and more houses, but then we come back everything's disaster."
The Ordonez family wasn't expecting it.
"They warned us that it was going to happen again, like back then in 1993, but we honestly didn't think it would happen."
The family says they're thankful they made it out alive. The water was chest high, and these two mailboxes completely disappeared.
"Shocked, because like I didn't expect the water going over the fence and everything being everywhere."
Like many families they don't have flood insurance, even though flooding is the most common natural disaster in America.
"Flood insurance is probably one of the most underserved policies that's written today. Most people only get flood insurance if its required by their lender. Otherwise they're usually not willing to spend the additional funds to have it,” says local insurance agent Randal Kraft.
Kraft says only about 3% of people have flood coverage.
If you're one of those 97% that aren't covered, there are ways to recoup some losses through FEMA.
"There's a loan program that's available, which is still a loan, but you're borrowing money from the federal government in order to pay for the damage as a result of a flood. There's a screening process that you have to go through in order to qualify for that. And for most people it's not a good deal."
In the meantime the Ordonez's are staying in an emergency shelter and plan to start over in a new home.
"I lost everything,” says Elubio Ordonez.
Getting flood insurance can be more complicated than regular insurance according to Kraft.
Flood insurance is available through the federal government's National Flood Insurance Program but there are eligibility restrictions.
It may be purchased through licensed property and casualty insurance agents or through many private insurance companies. Typically, there's a 30-day waiting period from date of purchase before a policy goes into effect. There are eligibility restrictions to qualify for National Flood Insurance. Consumers should contact the NFIP with eligibility questions at 800-427-4661 or visit the NFIP's website.
If homeowners have lost the contact information for your insurance companies, the department may be able to help locate it. Homeowners can contact the Missouri Department of Insurance at insurance.mo.gov or by calling 800-726-7390.
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