"ACAMPO, Calif. — On Sunday morning, Kyle Starks woke up to floodwaters that reached the door of his Jeep after yet another heavy rain storm drenched California. Emergency crews showed up with boats to float Starks and other residents of his rural mobile home park in Acampo to safety.
Beyond the physical destruction, the storm could pack a financial hit: Starks does not have flood insurance.
“I didn’t think it would flood this bad,” he explained from an evacuation center, worried that water damaged wiring and air conditioning equipment.
In California, only about 230,000 homes and other buildings have flood insurance policies, which are separate from homeowners insurance. That means only about 2% of properties are covered against flooding. The federal government is the insurer for the bulk of them – about 191,000 as of December. Private insurers issued the rest, according to the most recent state data from 2021."