cnnmoney.com, powered by cnn, driven by you. when it comes time to clean up from the flooding along the mississippi river, who will be picking up the tab? turns out it could be you. that's because the government's flood insurance program is broke. alison kosik is with us from the new york stock exchange. not very good news. how bad is this situation? >> it's not good news and it is pretty bad when you consider fema's national flood insurance program is $18 billion in the hole. you think about the national debt crisis we're in, this just adds to it. an analyst says this program's in the worst financial shape it's ever been in in the program's 42-year history. this program covers a lot of people. almost 6 million people carry government flood insurance. if you live in a high-risk area it is probably the only flood insurance you can especially because most private insurers don't offer it. but the program is so deep in the red, it has to borrow from the u.s. treasury just to pay the claims. it is unlikely the $18 billion