"John Grabowski"

If a good portion of your area has the same damage as you perhaps it will
be declared a disaster area which may allow FEMA to come in and help out.
It is also possible that your state or county may provide financial
assistance in the form of grants or low interest loans. Forget about
getting anything from your insurance company. Real flood insurance comes
from the federal government. I suggest that you try contacting the
governor's office to see if any assistance will be available and encourage
your neighbors to do the same thing. You could also contact your
congressman's office.

I wonder if mine is 'underwritten' that way? Maybe so?