Recent hurricanes, particularly Helene and Milton, have significantly impacted the U.S. with projected costs surpassing $47 billion. As communities grapple with the aftermath, the limitations of federal flood maps and a broken insurance system have come to the forefront. Many homeowners affected by Hurricane Helene lack adequate flood insurance, leading to a devastating financial burden as they face near $14 billion in insured losses amidst a greater $48 billion damage assessment. Insurers are struggling to meet claims, leaving a majority of homeowners to rebuild without financial support. The situation has sparked discussions about the urgent need for reform in America’s flood insurance system to better protect residents from future climate-related disasters.