Helene hit towns with little flood insurance

Kayla Ward was drinking coffee on her porch n the afternoon on Sept. 27 when she noticed water from the nearby Nolichucky River rising fast. Nobody's being covered, "she told USA TODAY. Hurricane Helene's destructive path across the Southeast has spotlighted a lack of flood insurance in the U.S. One estimate from FEMA says just 4% of homeowners in the country have…