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Hurricane Ian floods depart from mess, indemnity questions behind

Hurricane Ian floods depart from mess, indemnity questions behind

NORTH PORT, Fla. (AP) — Christine Barrett was inside her family's North Port place of residence all over Hurricane Ian when one of her children started yelling that aqua was coming up from the shower.

Then it started coming inside from outer external outside the house. Eventually the family was forced to climb on top of their kitchen cabinets — they place aqua wings on their 1-year-old — accompanied by every one one other accompanied by were rescued the following day by boat.

After the floodwaters had eventually gone down Barrett accompanied by every one one other accompanied by her family were cleaning not here the moist accompanied by every one one other accompanied by muddy house. On the front lawn lay chairs, a dresser, couch cushions, flooring planks accompanied by every one one other accompanied by a pile of moist drywall. Similar scenes played not here across the chunk while residents tried to understandable not here the soggy mess earlier to mold place in.

North Port is concerning 5 miles (8 kilometers) inland accompanied by every one one other accompanied by the Barretts - exist fond of numerous of its residents - exist inside areas where flood indemnity isn't required accompanied by every one one other accompanied by therefore, don't have it. Now numerous awe how they'll pay for much-needed repairs.

"Nobody inside this neighbourhood has flood indemnity since we are a nonflooding area," she said. "But we got 14 inches of aqua inside our house."

Many people associate hurricanes accompanied by wind injury — downed ability lines, shingles or roofing materials ripped off, trees blown over into homes or windows smashed by flying objects, accompanied by every one one other accompanied by Hurricane Ian's 150-mph (241-kph) winds certainly caused widespread damage.

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But hurricanes tin excessively pack a massive tempest surge while Ian did inside places exist fond of Naples or Fort Myers Beach.

Heavy rains from hurricanes tin excessively spring widespread flooding a lengthy way from the beach. Ian dumped rainfall for hours while it lumbered across the state, sending waterways spilling over their banks accompanied by every one one other accompanied by into homes accompanied by every one one other accompanied by businesses a lengthy way inland from where Ian made landfall. People were using kayaks to evacuate their flooded homes, accompanied by every one one other accompanied by floodwaters inside some areas have still not gone down a week following landfall.

"This is such a large storm, brought so a a large amount of water, that you're having fundamentally what's been a 500-year flood event," said Florida Gov. Ron DeSantis.

But flooding is not covered by a homeowner's indemnity policy.

It must exist purchased separately — normally from the confederate government. Although most people have the option of purchasing flood insurance, it is required only on government-backed mortgages that sit inside areas that the Federal Emergency Management Agency deems highest risk. Many banks need it inside high-risk zones, too. But some homeowners who pay off their mortgage permit let fall their flood indemnity on one instance it's not required. Or if they buy a house or mobile place of residence accompanied by money they may not opt for it at all. And flooding tin accompanied by every one one other accompanied by does occur outer external outside those high chance areas where flood indemnity is required.

There have lengthy been concerns that not sufficient people have flood indemnity mostly at a hour dated when climate alter is making strong hurricanes flat stronger accompanied by every one one other accompanied by making storms inside general wetter, slower accompanied by every one one other accompanied by additional prone to intensifying rapidly. According to the Insurance Information Institute, only concerning 4% of homeowners nationwide have flood indemnity although 90% of catastrophes inside the U.S. involve flooding. In Florida that number is only concerning 18%.

"We have experienced catastrophic flood events across the U.S. this year, including inside Kentucky accompanied by every one one other accompanied by Missouri, where inside effect no indeed indeed one had flood insurance," said the Institute's Mark Friedlander.

Hurricane Ian caused large flooding inside areas outer external outside of the high-risk zones. According to the consulting firm Milliman, violently 18.5% of homes inside counties that were under an evacuation order had federally issued flood insurance. In areas under an evacuation order that were outer external outside of high-risk zones, 9.4% of homes had a policy.

Last year, FEMA updated its pricing system for flood indemnity to additional correctly reflect chance called Risk Rating 2.0. The elderly system considered a home's elevation accompanied by every one one other accompanied by whether it was inside a high-risk flood zone. Risk Rating 2.0 looks at the chance that an individual possessions will flood, considering factors exist fond of its distance to water. The new pricing system raises rates for concerning three-quarters of policyholders accompanied by every one one other accompanied by offers cost decreases for the earliest time.

FEMA has lengthy said the new ratings would attract new policyholders. However, a FEMA report to the treasury secretary accompanied by every one one other accompanied by a handful of congressional leaders last year said a lengthy way fewer people would buy flood indemnity while prices rise. Since the new category system has gone into effect inside Florida, the number of polices inside the condition has dropped by violently 50,000 since August 2021.

After a federally declared disaster, homeowners accompanied by flood indemnity are probable to receive additional money, additional quickly, to recuperate accompanied by every one one other accompanied by rebuild than the uninsured.

After greatest flooding inside Louisiana inside 2016, for example, the signify remittance to a flood indemnity policyholder was $86,500, according to FEMA. Uninsured homeowners could obtain individual assistance payments for needs exist fond of temporary homes accompanied by every one one other accompanied by possessions damage, nevertheless they averaged violently $9,150.

Congress occasionally provides additional assistance following greatest disasters although that tin lay clasp of months to years to arrive.

"Unless you have flood insurance, the confederate management is not going to inside attendance accompanied by you sufficient assistance to rebuild your home," said Rob Moore, aqua accompanied by every one one other accompanied by climate team director at the Natural Resources Defense Council.

In the North Port neighbourhood that was cleaning up from Ian, Ron Audette wasn't sure whether he would obtain flood indemnity going forward since of the cost. The former U.S. Navy sailor was cleaning up his one-story place of residence on a curve a large amount following floodwaters buckled the laminate flooring, swelled wood furnishings accompanied by every one one other accompanied by left-hand the leather reclining sofa where he watched Patriots games a muddy, watery mess.

"I don't exist convinced by we could exist here if we had to buy flood insurance," he said.

But down the street, his neighbor Barrett was certainly preparation to obtain it.

"Get flood indemnity flat if it's not required," she advised. "Because we certainly will now."

___

Phillis reported from St. Louis, Missouri.

___

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The demolition from Ian has piled onto the hardship of people who had by that hour dated been suffering into with every one other accompanied by not here of scarcity accompanied by every one one other accompanied by shortages inside recent years. \u003c/p>\u003cp>"The ceiling was damaged, the mattress got wet," said homemaker Yaneysi Polier, who looked frightened while she stirred a cuisine utensil accompanied by pressed ham accompanied by every one one other accompanied by lard cuisine over coals on the ground of the patio of her house. Her still-wet mattress was inside the sol drying. \u003c/p>\u003cp>"The refrigerator was found inside the mire by our neighbor's house. We place up something to nap on. The aqua was up to our chests," she said.\u003c/p>\u003cdiv class=\"ad-placeholder\" data='autoembed'>\u003c/div>\u003cp>Only 15% of western Pinar del Río province has ability accompanied by every one one other accompanied by no indeed indeed one has their ability spine inside La Coloma, a town of some 7,000 people 125 miles (200 kilometers) southwest of Havana. \u003c/p>\u003cp>Repeated blackouts on Cuba's by that hour dated fragile electric grid were among the causes of the island's largest communal protests inside decades inside July 2021. Thousands of people, weary of ability failures accompanied by every one one other accompanied by shortages of goods exacerbated by the pandemic accompanied by every one one other accompanied by U.S. sanctions, turned not here inside cities across the island to vent their annoyance accompanied by every one one other accompanied by some excessively lashed not here at the government. Hundreds were arrested accompanied by every one one other accompanied by prosecuted, prompting harsh censure of the management of President Miguel Diaz-Canel. \u003c/p>\u003cdiv id='afs:Card:646675285966' class='hub-peek-embed' content-id='848c52622a1e03a50b93a5013be0df72'>Hub peek embed (Hurricanes) - Compressed layout (automatic embed) \u003c/div>\u003cp>The recent coming of Ian caused trio deaths accompanied by every one one other accompanied by inside Pinar del Rio province damaged 63,000 homes, thousands of which were destroyed. Cuba had a shortfall of concerning 800,000 houses flat earlier to the hurricane struck. \u003c/p>\u003cp>La Coloma is place of residence to the condition Industrial Fishing Combine, which processes 40% of the lobster caught on the island, most of which is exported. It excessively processes bonito accompanied by every one one other accompanied by snapper fish, accompanied by every one one other accompanied by residents speak it was high hour dated when Ian struck. Twelve fishing boats were damaged, some sunk. \u003c/p>\u003cp>Maribel Rodríguez is staying inside an crisis defence inside a main educational organization down accompanied by her expecting a infant daughter-in-law, who is concerning to inside attendance accompanied by birth. She said they will name the infant Ian. \u003c/p>\u003cdiv class=\"ad-placeholder\" data='autoembed'>\u003c/div>\u003cp>"This hurricane took every one thing from me," Rodríguez said. "My house was not good, nevertheless it had numerous things of cost — a refrigerator, a television, living space furniture, beds accompanied by every one one other accompanied by kitchenware — accompanied by every one one other accompanied by I had earned those accompanied by my sacrifice. This is extremely painful."\u003c/p>\u003cp>Both Rodríguez accompanied by every one one other accompanied by her son labour inside the fishing plant complicated accompanied by every one one other accompanied by they fret concerning it shutting down inside the centre of lobster season. \u003c/p>\u003cp>"Here, the only place to labour is the combine accompanied by every one one other accompanied by I have been there for numerous years. You have to build a living," she said. \u003c/p>\u003cp>Ian hit Cuba accompanied by winds of additional than 125 mph (200 kph) on Sept. 27. It not only affected Pinar de Rio, nevertheless excessively the provinces of Artemisa, Mayabeque accompanied by every one one other accompanied by Havana More than 30,000 people were evacuated ahead of the hurricane's arrival. \u003c/p>\u003cdiv class=\"ad-placeholder\" data='autoembed'>\u003c/div>\u003cp>Besides the injury to houses, the ability infrastructure accompanied by every one one other accompanied by industry, the Ministry of Agriculture estimated that Ian damaged 8,583 hectares (21,210 acres) of crops inside the trio provinces, mostly bananas, cassava, sweet potatoes, corn, rice accompanied by every one one other accompanied by tomatoes. \u003c/p>\u003cp>Cuba's gross domestic artefact fell 11% inside 2020 amid the pandemic accompanied by every one one other accompanied by only rose 2% inside 2021. Tourism has not recovered from the COVID-19 journey paralysis accompanied by every one one other accompanied by U.S. sanctions pressing for political alter inside the island convey on accompanied by to compress its economy. Authorities expect the injury from Ian to further batter the economy.\u003c/p>\u003cp>Along accompanied by La Coloma, one of the hardest hit municipalities was nearby San Luis, a neighbourhood that produces some of the finest tobacco inside the world.\u003c/p>\u003cp>Tobacco grower Hiroshi Robaina, looking at his devastated drying houses accompanied by every one one other accompanied by seedbeds, thinks that this year he will have to plant his fields accompanied by beans.\u003c/p>\u003cp>"I uncertainty extremely a a large amount of there tin exist some tobacco manufacture this year since there is no indeed indeed infrastructure," he said. 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20:35:37","tagObjs":[{"id":"Hurricanes","name":"Hurricanes","canonicalName":"hurricanes","isPr":false},{"id":"apf-topnews","name":"AP Top News","canonicalName":"ap-top-news","isPr":false},{"id":"apf-usnews","name":"U.S. News","canonicalName":"us-news","isPr":false},{"id":"Florida","name":"Florida","canonicalName":"florida","isPr":false},{"id":"Storms","name":"Storms","canonicalName":"storms","isPr":false},{"id":"Climateandenvironment","name":"Climate accompanied by every one one other accompanied by environment","canonicalName":"climate-and-environment","isPr":false},{"id":"HurricaneIan","name":"Hurricane Ian","canonicalName":"hurricane-ian","isPr":false}],"tags":[{"id":"Hurricanes","name":"Hurricanes","canonicalName":"hurricanes","isPr":false},{"id":"apf-topnews","name":"AP Top News","canonicalName":"ap-top-news","isPr":false},{"id":"apf-usnews","name":"U.S. 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Placeholder","calloutText":null,"displayName":null,"leadHubLink":null,"richEmbedDetail":{},"isPermanentlyPlaced":true},{"id":"0fe86040668f4c23aca939d206390af6","tag":null,"type":"Media Placeholder","calloutText":null,"displayName":null,"leadHubLink":null,"richEmbedDetail":{},"isPermanentlyPlaced":true},{"id":"0fe86040668f4c23aca939d206390af6","tag":null,"type":"Media Placeholder","calloutText":null,"displayName":null,"leadHubLink":null,"richEmbedDetail":{},"isPermanentlyPlaced":true},{"id":"0fe86040668f4c23aca939d206390af6","tag":null,"type":"Media Placeholder","calloutText":null,"displayName":null,"leadHubLink":null,"richEmbedDetail":{},"isPermanentlyPlaced":true},{"id":"afs:Card:646675285966","tag":null,"type":"Hub Peek","calloutText":null,"displayName":null,"leadHubLink":null,"richEmbedDetail":{"data":6,"rule":"seo","style":"Column List"},"isPermanentlyPlaced":true}],"sponsored":false,"contentBundle":null,"movieTitle":null,"immersiveUrl":null,"embedRatio":null,"embedType":null,"pullQuoteObjs":[],"dateline":null,"leadVideoAutoEmbed":true,"flattenedFirstWords":"SANIBEL ISLAND, Fla. (AP) — Rotting go fishing accompanied by every one one other accompanied by garbage untruth scattered inside Sanibel Island's streets. On the mainland, debris from washed-away homes is heaped inside a canal exist fond of matchsticks. Huge shrimp boa...","isTpContent":false,"socialEmbeds":[],"isPrContent":false,"storyHTML":"\u003cp>SANIBEL ISLAND, Fla. (AP) — Rotting go fishing accompanied by every one one other accompanied by garbage untruth scattered inside Sanibel Island's streets. On the mainland, debris from washed-away homes is heaped inside a canal exist fond of matchsticks. Huge shrimp boats sit perched amid the remains of a mobile place of residence park. \u003c/p>\u003cp>"Think of a snowflakes globe. Pick it up accompanied by every one one other accompanied by vibrate it — that's what happened," said Fred Szott. \u003c/p>\u003cp>For the past trio days, he accompanied by every one one other accompanied by his spouse Joyce have been making trips to their damaged mobile place of residence inside Fort Myers, cleaning up following \u003ca href=\"https://apnews.com/article/hurricane-ian-live-updates-6302894797cae989ff855030cf332a97\">Hurricane Ian\u003c/a> slammed into Florida's Gulf Coast.\u003c/p>\u003cp>As for the emotional turbulence, he says: "You either clasp on, or you mislay it."\u003c/p>\u003cp>The number of storm-related deaths rose to at least 101 on Thursday, eight days following the tempest made landfall inside southwest Florida. According to reports from the Florida Medical Examiners Commission, 92 of those deaths were inside Florida. Five people were excessively killed inside North Carolina, \u003ca href=\"https://apnews.com/article/hurricanes-cuba-caribbean-hurricane-ian-080599db41b3e492d41e55046cb13c23\">three inside Cuba\u003c/a> accompanied by every one one other accompanied by one inside Virginia.\u003c/p>\u003cdiv class=\"ad-placeholder\" data='autoembed'>\u003c/div>\u003cp>Ian is the second-deadliest tempest to hit the mainland U.S. inside the 21st century behind Hurricane Katrina, which left-hand additional than 1,800 people deceased inside 2005. The deadliest hurricane at some hour dated to hit the U.S. was the Great Galveston Hurricane inside 1900 that killed while numerous while 8,000 people.\u003c/p>\u003cp>Residents of Florida's devastated fence islands are starting to return, assessing the injury to homes accompanied by every one one other accompanied by businesses inside malice of restricted access to some areas. Pamela Brislin arrived by vessel to see what she could salvage.\u003c/p>\u003cdiv id='afs:Card:646675285966' class='hub-peek-embed' content-id='a775186161b80f6ce706c03fa04fe978'>Hub peek embed (Hurricanes) - Compressed layout (automatic embed) \u003c/div>\u003cp>Brislin had stayed into with every one other accompanied by not here of the storm, nevertheless is haunted by what happened afterward. When she checked on a neighbor, she found the woman crying. Her husband had passed away, his body laid not here on a picnic bench until assist could arrive. Another neighbor's house caught fire. The flames were so large that they forced Breslin to do what the hurricane could not — sprint accompanied by her husband accompanied by every one one other accompanied by a neighbor's dog.\u003c/p>\u003cp>Ian, a Category 4 tempest accompanied by sustained winds of 150 miles per hour (240 kilometers per hour), \u003ca href=\"https://apnews.com/article/hurricanes-science-storms-climate-and-environment-hurricane-ian-80f57ce05ec99bae841e7b72e710cd13\">unleashed torrents of rain\u003c/a> accompanied by every one one other accompanied by caused \u003ca href=\"https://apnews.com/article/hurricanes-floods-florida-climate-and-environment-hurricane-ian-cb4ab23a7ae5353d03642feb542137c4\">extensive flooding accompanied by every one one other accompanied by damage\u003c/a>. The deluge turned streets into gushing rivers. Backyard waterways overflowed into neighborhoods, occasionally by additional than a dozen feet (3.5 meters), tossing boats onto yards accompanied by every one one other accompanied by roadways. Beaches disappeared, while ocean surges pushed shorelines a lengthy way inland. Officials violently calculate the tempest has caused billions of dollars inside damage.\u003c/p>\u003cdiv id='0fe86040668f4c23aca939d206390af6' class='media-placeholder'>\u003c/div>\u003cdiv class=\"ad-placeholder\" data='autoembed'>\u003c/div>\u003cp>The broken causeway to Sanibel Island ability not exist passable until the extremity of the month. Officials on the island had ordered a complete curfew following the tempest passed, allowing search accompanied by every one one other accompanied by rescue teams to do their work. That meant residents who evacuated were technically blocked from returning.\u003c/p>\u003cp>The city of concerning 7,000 started allowing residents spine from 7 a.m. to 7 p.m. on Wednesday. City administrative Dana Souza told residents inside a Facebook Live brook that he wished the municipality had resources to provide transportation nevertheless that, for now, residents would have to arrange visits by private boat.\u003c/p>\u003cp>Pine Island is closer to the mainland than Sanibel, accompanied by every one one other accompanied by temporary repairs to its causeway were finished on Wednesday. \u003c/p>\u003cdiv class=\"ad-placeholder\" data='autoembed'>\u003c/div>\u003cp>But the island was hit firm by the storm. Cindy Bickford's house is still standing. Much of the injury was from flooding, which left-hand a thick layer of rancid muck on her floors. She's hopeful that a a large amount tin exist salvaged.\u003c/p>\u003cp>"We'll tear the place of residence apart so we tin exist inside it," said Bickford, who wore a T-shirt that said "Relax," "Refresh" accompanied by every one one other accompanied by "Renew."\u003c/p>\u003cp>"It's not our stuff we're worried about. It's our community. Pine Island is extremely close-knit," said Bickford, who arrived Thursday for the earliest time. \u003c/p>\u003cp>Jay Pick said the island still feels gash off from the outside, accompanied by every one one other accompanied by a small part chaotic.\u003c/p>\u003cp>"People are trying to do the fair thing accompanied by every one one other accompanied by assist people, accompanied by every one one other accompanied by yet other people are stepping up accompanied by every one one other accompanied by taking their gasoline cans accompanied by every one one other accompanied by stealing generators," he said.\u003c/p>\u003cp>Florida Gov. Ron DeSantis, at a report conference Thursday inside the Sarasota County town of Nokomis, praised the widespread restoration of running aqua into with every one other accompanied by not here of the storm-hit area accompanied by every one one other accompanied by the labour inside the way of restoring power. Some 185,000 customers convey on accompanied by to exist lacking electricity, down from highs above 2.6 million across the state.\u003c/p>\u003cdiv class=\"ad-placeholder\" data='autoembed'>\u003c/div>\u003cp>He said rescue workers have conducted around 2,500 missions, mostly on fence islands on the Gulf seaboard while well while inside inland areas that have seen great flooding. More than 90,000 structures have been inspected accompanied by every one one other accompanied by checked for survivors, he said.\u003c/p>\u003cp>He said residents areas devastated by the hurricane had been showing great resilience over the past week.\u003c/p>\u003cp>\u003ca href=\"https://apnews.com/article/hurricanes-biden-storms-florida-fort-myers-b7cc29478fc9618e0b2b30106e5c86f4\">President Joe Biden toured\u003c/a> some of Florida's hurricane-hit areas on Wednesday, surveying injury by helicopter accompanied by every one one other accompanied by at that hour dated walking on foot alongside DeSantis. The Democratic president accompanied by every one one other accompanied by Republican executive pledged to place political rivalries to one side to assist rebuild homes, businesses accompanied by every one one other accompanied by lives. Biden emphasized at a briefing accompanied by local officials that the try could lay clasp of years.\u003c/p>\u003cp>___\u003c/p>\u003cp>Calvan reported from Pine Island, Florida. Associated Press writers Anthony Izaguirre inside Tallahassee accompanied by every one one other accompanied by Ian Mader inside Miami contributed to this report.\u003c/p>\u003cp>___\u003c/p>\u003cp>This tale has been updated to correct the number of deaths inside Florida. It is 92, not 98.\u003c/p>","alertLinkDateTime":null,"storyLayout":{},"reporters":[],"headlinePlacement":null,"relatedStoryEmbeds":[],"disableNativo":false}],"disclaimerText":null,"dividerColor":null,"expandedStoryCount":null,"feed":[],"headlineWidget":false,"hubPeekLinkText":null,"hubPeekTagId":null,"hubPeekTagName":null,"hubPeekCanonicalName":null,"hubPeekIsPr":null,"minimizedStoryCount":null,"tagObjs":[{"id":"Hurricanes","name":"Hurricanes","canonicalName":"hurricanes","isPr":false},{"id":"apf-topnews","name":"AP Top News","canonicalName":"ap-top-news","isPr":false},{"id":"apf-usnews","name":"U.S. News","canonicalName":"us-news","isPr":false},{"id":"Florida","name":"Florida","canonicalName":"florida","isPr":false},{"id":"Storms","name":"Storms","canonicalName":"storms","isPr":false},{"id":"Climateandenvironment","name":"Climate accompanied by every one one other accompanied by environment","canonicalName":"climate-and-environment","isPr":false},{"id":"HurricaneIan","name":"Hurricane Ian","canonicalName":"hurricane-ian","isPr":false}],"textColor":null,"layoutType":null,"customLayoutType":null,"styleName":null,"endDateTime":null,"teamLimit":25,"medalCounts":null,"medalsUpdated":null,"olympicYear":null,"notificationUrl":null,"notificationText":null,"notificationTitle":null,"notificationType":null,"notificationUpdated":null,"adUnits":null,"displayPositionHome":null,"displayPositionApp":null,"featuredCard":null,"publishedDate":"2022-10-06 20:35:51","enableTblRegion":false},{"id":"urn:publicid:ap.org:6063fd49a96748deb76acbd268255fa5","shortId":"urn:publicid:ap.org:6063fd49a96748deb76acbd268255fa5","allowAd":true,"borderColor":null,"brackets":null,"bracketsSettings":null,"cardTitle":null,"embedCardTitleColor":null,"cardHeadline":null,"cardType":"Wire Story","collectionTagObjs":null,"contents":[{"id":"urn:publicid:ap.org:6063fd49a96748deb76acbd268255fa5","shortId":"6063fd49a96748deb76acbd268255fa5","bylines":"By MIKE SCHNEIDER","canonicalUrl":"hurricanes-louisiana-nebraska-census-2020-us-bureau","contentType":"text","disableConnatix":false,"downloadSettings":{},"embedCaption":null,"embedHeight":null,"embedHTML":null,"embedLinkURL":null,"firstWords":"\u003cp>Two Louisiana parishes devastated by repeated hurricanes accompanied by every one one other accompanied by place of set of two rural Nebraska counties had among the highest rates of households accompanied by lost details concerning themselves all over the 2020 census that required the U.S.\u003c/p>","hasTextOverlay":false,"headline":"Hurricane hit areas led US accompanied by lost 2020 census data","description":null,"interactiveLinkUrl":null,"interactiveLinkUrlText":null,"language":"en","leadPhotoId":"cdf44434b77a4395b79e6b585573aaff","leadVideoId":null,"localLinkUrl":"https://apnews.com/6063fd49a96748deb76acbd268255fa5","localMemberName":null,"media":[{"id":"cdf44434b77a4395b79e6b585573aaff","type":"Photo","caption":"\u003cp>FILE - A briefcase of a census taker is seen while she knocks on the door of a residence Aug. 11, 2020, inside Winter Park, Fla. The House has passed legislation on a party-line ballot that aims to build it harder for future presidents to interfere inside the once-a-decade headcount that determines political ability accompanied by every one one other accompanied by confederate funding. The invoice is a Democrat-led response to the Trump's administration's failed efforts to place a citizenship question on the 2020 census. (AP Photo/John Raoux, File)\u003c/p>","order":0,"imageMimeType":"image/jpeg","imageFileExtension":".jpeg","imageRenderedSizes":[3000,2000,1000,800,600,400,200],"aspectRatio":1.50088999644001,"gcsBaseUrl":"https://storage.googleapis.com/afs-prod/media/cdf44434b77a4395b79e6b585573aaff/","embedCaption":null,"uploaded":true,"flattenedCaption":"FILE - A briefcase of a census taker is seen while she knocks on the door of a residence Aug. 11, 2020, inside Winter Park, Fla. The House has passed legislation on a party-line ballot that aims to build it harder for future presidents to interfere inside the once-a-decade headcount that determines political ability accompanied by every one one other accompanied by confederate funding. The invoice is a Democrat-led response to the Trump's administration's failed efforts to place a citizenship question on the 2020 census. (AP Photo/John Raoux, File)","updated":"2022-10-06T20:20:03.834024","alignment":null,"videoMimeType":null,"videoFileExtension":null,"videoRenderedSizes":[],"externalId":null,"audioMimeType":null,"audioFileExtension":null,"title":null,"noEmbedCaption":false,"headline":"Congress Census","jwMediaId":null,"jwVideoStatus":false,"isPlayer":"JW"}],"audioMedia":[],"mediumIds":["cdf44434b77a4395b79e6b585573aaff"],"mediaCount":1,"published":"2022-10-06 20:20:00","tagObjs":[{"id":"Hurricanes","name":"Hurricanes","canonicalName":"hurricanes","isPr":false},{"id":"Louisiana","name":"Louisiana","canonicalName":"louisiana","isPr":false},{"id":"Nebraska","name":"Nebraska","canonicalName":"nebraska","isPr":false},{"id":"Census2020","name":"Census 2020","canonicalName":"census-2020","isPr":false},{"id":"USCensusBureau","name":"U.S. Census Bureau","canonicalName":"us-census-bureau","isPr":false}],"tags":[{"id":"Hurricanes","name":"Hurricanes","canonicalName":"hurricanes","isPr":false},{"id":"Louisiana","name":"Louisiana","canonicalName":"louisiana","isPr":false},{"id":"Nebraska","name":"Nebraska","canonicalName":"nebraska","isPr":false},{"id":"Census2020","name":"Census 2020","canonicalName":"census-2020","isPr":false},{"id":"USCensusBureau","name":"U.S. Census Bureau","canonicalName":"us-census-bureau","isPr":false}],"updated":"2022-10-06 20:19:44","tagIds":["Hurricanes","Louisiana","Nebraska","Census2020","USCensusBureau","state-Louisiana","state-Nebraska","apf-GeneralNews"],"title":"US--2020 Census","contentSponsor":null,"layoutType":"Small Photo","stackedStory":true,"notificationId":null,"eyebrow":null,"richEmbeds":[{"id":"afs:Card:646675285966","tag":null,"type":"Hub Peek","calloutText":null,"displayName":null,"leadHubLink":null,"richEmbedDetail":{"data":6,"rule":"seo","style":"Column List"},"isPermanentlyPlaced":true}],"sponsored":false,"contentBundle":null,"movieTitle":null,"immersiveUrl":null,"embedRatio":null,"embedType":null,"pullQuoteObjs":[],"dateline":null,"leadVideoAutoEmbed":false,"flattenedFirstWords":"Two Louisiana parishes devastated by repeated hurricanes accompanied by every one one other accompanied by place of set of two rural Nebraska counties had among the highest rates of households accompanied by lost details concerning themselves all over the 2020 census t...","isTpContent":false,"socialEmbeds":[],"isPrContent":false,"storyHTML":"\u003cp>Two Louisiana parishes devastated by repeated hurricanes accompanied by every one one other accompanied by place of set of two rural Nebraska counties had among the highest rates of households accompanied by lost details concerning themselves all over the 2020 census that required the U.S. Census Bureau to use a last-resort statistical procedure to become filled inside facts gaps, according to figures released Thursday by the statistical agency.\u003c/p>\u003cp>Allen accompanied by every one one other accompanied by Calcasieu parishes were hit firm by Hurricanes Laura accompanied by every one one other accompanied by Delta inside September accompanied by every one one other accompanied by October 2020 all over the last weeks of the once-a-decade census that determines how numerous congressional seats every one one condition gets, provides the facts for redrawing political districts accompanied by every one one other accompanied by helps determine $1.5 trillion inside confederate spending every one one year.\u003c/p>\u003cp>Along accompanied by rural Logan accompanied by every one one other accompanied by Banner counties inside Nebraska, the parishes had rates of homes accompanied by lost details that required the statistical procedure to exist used ranging from 8.4% to 11.5%. The procedure called count imputation uses details concerning neighbors accompanied by similar characteristics to become filled inside facts gaps inside the head count.\u003c/p>\u003cdiv class=\"ad-placeholder\" data='autoembed'>\u003c/div>\u003cp>Nationwide, 0.9% of households were counted using the procedure all over the 2020 census. \u003c/p>\u003cp>Typically, imputation provides the least reliable details concerning a household. Information from the people living inside a home, who either become filled not here a census form or answer questions from a door-knocking census taker, provides the finest details concerning a household. \u003c/p>\u003cdiv id='afs:Card:646675285966' class='hub-peek-embed' content-id='6063fd49a96748deb76acbd268255fa5'>Hub peek embed (Hurricanes) - Compressed layout (automatic embed) \u003c/div>\u003cp>If firsthand details can't exist obtained, the Census Bureau following turns to administrative records such while IRS returns, or census-taker interviews accompanied by proxies such while neighbors or landlords. Imputation is used following those other avenues have been exhausted.\u003c/p>\u003cp>___\u003c/p>\u003cp>Follow Mike Schneider on Twitter at \u003ca href=\"https://twitter.com/MikeSchneiderAP\">https://twitter.com/MikeSchneiderAP\u003c/a>\u003c/p>","alertLinkDateTime":null,"storyLayout":{},"reporters":[],"headlinePlacement":null,"relatedStoryEmbeds":[],"disableNativo":false}],"disclaimerText":null,"dividerColor":null,"expandedStoryCount":null,"feed":[],"headlineWidget":false,"hubPeekLinkText":null,"hubPeekTagId":null,"hubPeekTagName":null,"hubPeekCanonicalName":null,"hubPeekIsPr":null,"minimizedStoryCount":null,"tagObjs":[{"id":"Hurricanes","name":"Hurricanes","canonicalName":"hurricanes","isPr":false},{"id":"Louisiana","name":"Louisiana","canonicalName":"louisiana","isPr":false},{"id":"Nebraska","name":"Nebraska","canonicalName":"nebraska","isPr":false},{"id":"Census2020","name":"Census 2020","canonicalName":"census-2020","isPr":false},{"id":"USCensusBureau","name":"U.S. Census Bureau","canonicalName":"us-census-bureau","isPr":false}],"textColor":null,"layoutType":null,"customLayoutType":null,"styleName":null,"endDateTime":null,"teamLimit":25,"medalCounts":null,"medalsUpdated":null,"olympicYear":null,"notificationUrl":null,"notificationText":null,"notificationTitle":null,"notificationType":null,"notificationUpdated":null,"adUnits":null,"displayPositionHome":null,"displayPositionApp":null,"featuredCard":null,"publishedDate":"2022-10-06 20:20:02","enableTblRegion":false},{"id":"urn:publicid:ap.org:a5a14c38f52556d4ebe1e4d7448e9b23","shortId":"urn:publicid:ap.org:a5a14c38f52556d4ebe1e4d7448e9b23","allowAd":true,"borderColor":null,"brackets":null,"bracketsSettings":null,"cardTitle":null,"embedCardTitleColor":null,"cardHeadline":null,"cardType":"Wire Story","collectionTagObjs":null,"contents":[{"id":"urn:publicid:ap.org:a5a14c38f52556d4ebe1e4d7448e9b23","shortId":"a5a14c38f52556d4ebe1e4d7448e9b23","bylines":null,"canonicalUrl":"hurricanes-florida-fort-lauderdale-indiana-climate-and-environment","contentType":"text","disableConnatix":false,"downloadSettings":{},"embedCaption":null,"embedHeight":null,"embedHTML":null,"embedLinkURL":null,"firstWords":"\u003cp>FORT LAUDERDALE, Fla. 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(AP) — After Hurricane Ian struck Florida's southwest coast, officials inside the condition realized they had sufficient National Guard units available accompanied by every one one other accompanied by sent the crews that had go nearer fr...","isTpContent":false,"socialEmbeds":[],"isPrContent":false,"storyHTML":"\u003cp>FORT LAUDERDALE, Fla. (AP) — After \u003ca href=\"https://apnews.com/article/hurricanes-floods-florida-storms-climate-and-environment-347f46accfe7d5588acd03e21c253d6c\">Hurricane Ian\u003c/a> struck Florida's southwest coast, officials inside the condition realized they had sufficient National Guard units available accompanied by every one one other accompanied by sent the crews that had go nearer from Indiana home.\u003c/p>\u003cp>Florida had requested assist into with every one other accompanied by not here of the Emergency Management Assistance Compact. And the Indiana units were on their way when they were sent place of residence Sept. 30, place of set of two days following the tempest slammed into Florida's Gulf Coast.\u003c/p>\u003cp>The Indiana National Guard was among the units that headed inside the way of Florida "out of an abundance of caution,\" William Manley, the deputy communications director for the Florida National Guard said Thursday.\u003c/p>\u003cp>The compact "is a way for National Guard units to augment their internal, inherent capabilities by requesting assistance from other National Guard units,\" Manley said.\u003c/p>\u003cp>"As inside a short hour dated while we conducted an initial evaluation accompanied by every one one other accompanied by discovered that the affected area wasn't while large while at earliest forecasted, we released some military units spine to their place of residence states,\" Manley said inside an email to The Associated Press. "We convey on accompanied by to exist extremely thankful for their readiness to assist us inside our hour dated of need.\"\u003c/p>\u003cdiv class=\"ad-placeholder\" data='autoembed'>\u003c/div>\u003cp>The Indiana National Guard said Wednesday that Florida will reimburse it concerning $130,000. Indiana sent additional than a dozen soldiers, trio flying crews accompanied by every one one other accompanied by mechanics, down accompanied by place of set of two Black Hawk helicopters Sept 29, the day following Hurricane Ian slammed into the southwest Florida coast.\u003c/p>\u003cdiv id='afs:Card:646675285966' class='hub-peek-embed' content-id='a5a14c38f52556d4ebe1e4d7448e9b23'>Hub peek embed (Hurricanes) - Compressed layout (automatic embed) \u003c/div>\u003cp>The were sent place of residence Sept. 30, Indiana National Guard Master Sgt. 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(AP) — Christine Barrett was inside her family's North Port place of residence all over Hurricane Ian when one of her children started yelling that aqua was coming up from the shower. Then it sta...","isTpContent":false,"socialEmbeds":[],"isPrContent":false,"storyHTML":"\u003cp>NORTH PORT, Fla. (AP) — Christine Barrett was inside her family's North Port place of residence all over Hurricane Ian when one of her children started yelling that aqua was coming up from the shower. \u003c/p>\u003cp>Then it started coming inside from outer external outside the house. Eventually the family was forced to climb on top of their kitchen cabinets — they place aqua wings on their 1-year-old — accompanied by every one one other accompanied by were rescued the following day by boat.\u003c/p>\u003cp>After the floodwaters had eventually gone down Barrett accompanied by every one one other accompanied by her family were cleaning not here the moist accompanied by every one one other accompanied by muddy house. On the front lawn lay chairs, a dresser, couch cushions, flooring planks accompanied by every one one other accompanied by a pile of moist drywall. Similar scenes played not here across the chunk while residents tried to understandable not here the soggy mess earlier to mold place in. \u003c/p>\u003cp>North Port is concerning 5 miles (8 kilometers) inland accompanied by every one one other accompanied by the Barretts - exist fond of numerous of its residents - exist inside areas where flood indemnity isn't required accompanied by every one one other accompanied by therefore, don't have it. Now numerous awe how they'll pay for much-needed repairs.\u003c/p>\u003cdiv class=\"ad-placeholder\" data='autoembed'>\u003c/div>\u003cp>"Nobody inside this neighbourhood has flood indemnity since we are a nonflooding area," she said. "But we got 14 inches of aqua inside our house."\u003c/p>\u003cp>Many people associate hurricanes accompanied by wind injury — downed ability lines, shingles or roofing materials ripped off, trees blown over into homes or windows smashed by flying objects, accompanied by every one one other accompanied by Hurricane Ian's 150-mph (241-kph) winds certainly caused widespread damage. \u003c/p>\u003cdiv id='afs:Card:646675285966' class='hub-peek-embed' content-id='f25bfc033d4da8f335f3a150fdbda61d'>Hub peek embed (Hurricanes) - Compressed layout (automatic embed) \u003c/div>\u003cp>But hurricanes tin excessively pack a massive tempest surge while Ian did inside places exist fond of Naples or Fort Myers Beach. \u003c/p>\u003cp>Heavy rains from hurricanes tin excessively spring widespread flooding a lengthy way from the beach. Ian dumped rainfall for hours while it lumbered across the state, sending waterways spilling over their banks accompanied by every one one other accompanied by into homes accompanied by every one one other accompanied by businesses a lengthy way inland from where Ian made landfall. People were using kayaks to evacuate their flooded homes, accompanied by every one one other accompanied by floodwaters inside some areas have still not gone down a week following landfall.\u003c/p>\u003cp>"This is such a large storm, brought so a a large amount of water, that you're having fundamentally what's been a 500-year flood event," said Florida Gov. Ron DeSantis.\u003c/p>\u003cp>But flooding is not covered by a homeowner's indemnity policy. \u003c/p>\u003cp>It must exist purchased separately — normally from the confederate government. Although most people have the option of purchasing flood insurance, it is required only on government-backed mortgages that sit inside areas that the Federal Emergency Management Agency deems highest risk. Many banks need it inside high-risk zones, too. But some homeowners who pay off their mortgage permit let fall their flood indemnity on one instance it's not required. Or if they buy a house or mobile place of residence accompanied by money they may not opt for it at all. And flooding tin accompanied by every one one other accompanied by does occur outer external outside those high chance areas where flood indemnity is required.\u003c/p>\u003cdiv class=\"ad-placeholder\" data='autoembed'>\u003c/div>\u003cp>There have lengthy been concerns that not sufficient people have flood indemnity mostly at a hour dated when climate alter is making strong hurricanes flat stronger accompanied by every one one other accompanied by making storms inside general wetter, slower accompanied by every one one other accompanied by additional prone to intensifying rapidly. According to the Insurance Information Institute, only concerning 4% of homeowners nationwide have flood indemnity although 90% of catastrophes inside the U.S. involve flooding. In Florida that number is only concerning 18%.\u003c/p>\u003cdiv class=\"ad-placeholder\" data='autoembed'>\u003c/div>\u003cp>"We have experienced catastrophic flood events across the U.S. this year, including inside Kentucky accompanied by every one one other accompanied by Missouri, where inside effect no indeed indeed one had flood insurance,\" said the Institute's Mark Friedlander.\u003c/p>\u003cp>Hurricane Ian caused large flooding inside areas outer external outside of the high-risk zones. According to the consulting firm Milliman, violently 18.5% of homes inside counties that were under an evacuation order had federally issued flood insurance. In areas under an evacuation order that were outer external outside of high-risk zones, 9.4% of homes had a policy.\u003c/p>\u003cp>Last year, FEMA updated its pricing system for flood indemnity to additional correctly reflect chance called Risk Rating 2.0. The elderly system considered a home's elevation accompanied by every one one other accompanied by whether it was inside a high-risk flood zone. Risk Rating 2.0 looks at the chance that an individual possessions will flood, considering factors exist fond of its distance to water. The new pricing system raises rates for concerning three-quarters of policyholders accompanied by every one one other accompanied by offers cost decreases for the earliest time.\u003c/p>\u003cdiv class=\"ad-placeholder\" data='autoembed'>\u003c/div>\u003cp>FEMA has lengthy said the new ratings would attract new policyholders. However, a FEMA report to the treasury secretary accompanied by every one one other accompanied by a handful of congressional leaders last year said a lengthy way fewer people would buy flood indemnity while prices rise. Since the new category system has gone into effect inside Florida, the number of polices inside the condition has dropped by violently 50,000 since August 2021.\u003c/p>\u003cp>After a federally declared disaster, homeowners accompanied by flood indemnity are probable to receive additional money, additional quickly, to recuperate accompanied by every one one other accompanied by rebuild than the uninsured.\u003c/p>\u003cp>After greatest flooding inside Louisiana inside 2016, for example, the signify remittance to a flood indemnity policyholder was $86,500, according to FEMA. Uninsured homeowners could obtain individual assistance payments for needs exist fond of temporary homes accompanied by every one one other accompanied by possessions damage, nevertheless they averaged violently $9,150. \u003c/p>\u003cp>Congress occasionally provides additional assistance following greatest disasters although that tin lay clasp of months to years to arrive.\u003c/p>\u003cdiv class=\"ad-placeholder\" data='autoembed'>\u003c/div>\u003cp>"Unless you have flood insurance, the confederate management is not going to inside attendance accompanied by you sufficient assistance to rebuild your home,\" said Rob Moore, aqua accompanied by every one one other accompanied by climate team director at the Natural Resources Defense Council.\u003c/p>\u003cp>In the North Port neighbourhood that was cleaning up from Ian, Ron Audette wasn't sure whether he would obtain flood indemnity going forward since of the cost. The former U.S. Navy sailor was cleaning up his one-story place of residence on a curve a large amount following floodwaters buckled the laminate flooring, swelled wood furnishings accompanied by every one one other accompanied by left-hand the leather reclining sofa where he watched Patriots games a muddy, watery mess.\u003c/p>\u003cp>"I don't exist convinced by we could exist here if we had to buy flood insurance," he said.\u003c/p>\u003cp>But down the street, his neighbor Barrett was certainly preparation to obtain it. \u003c/p>\u003cp>"Get flood indemnity flat if it's not required," she advised. "Because we certainly will now."\u003c/p>\u003cp>___\u003c/p>\u003cp>Phillis reported from St. Louis, Missouri. \u003c/p>\u003cp>___\u003c/p>\u003cp>The Associated Press receives support from the Walton Family Foundation for coverage of aqua accompanied by every one one other accompanied by environmental policy. The AP is solely inside ask in remittance of for all content. For all of AP's environmental coverage, pay someone a call https://apnews.com/hub/climate-and-environment\u003c/p>","alertLinkDateTime":null,"storyLayout":{},"reporters":[],"reporterKeys":["afs:Reporter:055048858125","afs:Reporter:441151372487"],"headlinePlacement":null,"relatedStoryEmbeds":[],"disableNativo":false,"canonicalUrl":"hurricane-ian-aftermath-insurance-questions","urlUpdated":"2022-10-07 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Hurricane Ian floods depart from mess, indemnity questions behind

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