Hurricane Victims Without Flood Insurance Weigh Options

A woman who identified herself as Valerie walks along flooded President Street after leaving her homeless camp after Hurricane Matthew caused flooding, Saturday, Oct. 8, 2016, in Savannah, Ga. (AP Photo/Stephen B. Morton)

AP Photo/Stephen B. Morton

Waist-deep floodwaters from Hurricane Matthew coursed down the street in Pooler and seeped under Lori Galemore’s doors, swamping the carpets and furniture as she and her three sons retreated upstairs, where they stayed until firefighters arrived by boat.

Galemore and her neighbors in Pooler, a community about 35 miles inland from the evacuated Georgia coast, were deluged not by seawater driven ashore by the hurricane, but by rain and runoff that overwhelmed a drainage ditch at the end of their cul-de-sac.

“Everybody said, ‘You’re not in a flood plain. You don’t need flood insurance,’” Galemore said Wednesday as her husband and sons threw out soggy furniture, waterlogged books, towels and blankets and wet chunks of drywall. “And flood insurance is expensive. Who wants to pay that?”