Get all your news in one place.
100’s of premium titles.
One app.
Start reading
Top News
Top News

Hurricane Helene Leaves Southeastern U.S. Homeowners Struggling

Homes are seen in the aftermath of Hurricane Helene, Wednesday, Oct. 2, 2024, in Chimney Rock Village, N.C. (AP Photo/Mike Stewart)

Following the devastating impact of Hurricane Helene on the Southeastern U.S., homeowners are facing the daunting task of repairing flood damage caused by one of the deadliest storms in recent history. The Category 4 storm made landfall on Florida's Gulf Coast on September 26, unleashing trillions of gallons of water across multiple states and resulting in over 200 fatalities, making it the deadliest hurricane since Katrina.

Areas like Western North Carolina, Asheville, Georgia, and Tennessee were severely affected, with flooding destroying buildings, roads, utilities, and land. The Oak Forest neighborhood in south Asheville witnessed trees collapsing onto houses, causing significant damage to properties.

Many homeowners, like Julianne Johnson, are struggling to cope with the aftermath. Johnson's house suffered roof and tree damage, which may be covered by home insurance. However, flood damage is a separate issue, and without flood insurance, homeowners face uncertainty about covering those costs.

While the National Flood Insurance Program offers coverage for flood damage, many private insurers do not provide this protection, leaving residents vulnerable. North Carolina has over 129,000 flood policies in force, but the concentration is primarily on the coast rather than inland areas hit by Helene.

Over 200 fatalities reported, making it the deadliest hurricane since Katrina.
Category 4 Hurricane Helene caused severe flood damage in Southeastern U.S.
Areas like Western North Carolina, Asheville, Georgia, and Tennessee severely affected.

Experts warn that without flood insurance, many survivors may never fully recover financially, potentially leading to foreclosures and bankruptcies. The private home insurance market is relieved that Helene's impact is manageable for them, as their policies typically cover wind damage from hurricanes.

Despite the estimated insurer losses of $5-8 billion, the lack of flood insurance coverage in inland communities remains a significant gap in the U.S. insurance landscape. Advocates emphasize the need for a national disaster insurance program to address these gaps and better protect homeowners.

As FEMA struggles with funding shortages and limited coverage under the National Flood Insurance Program, homeowners are urged to educate themselves about their policies and the risks they face. The aftermath of Hurricane Helene serves as a stark reminder of the importance of being prepared for natural disasters and the need for comprehensive insurance coverage.

Sign up to read this article
Read news from 100’s of titles, curated specifically for you.
Already a member? Sign in here
Related Stories
Top stories on inkl right now
One subscription that gives you access to news from hundreds of sites
Already a member? Sign in here
Our Picks
Fourteen days free
Download the app
One app. One membership.
100+ trusted global sources.