5.5 million home owners. >> when she said that it was 19 billion in the red now it is 30 billion in the red. people say but i didn't plan the hurricane. i didn't know the river was going to flood. we need to help these people. what's wrong with that? >> first of all who are the people? people like you, there are people richer than you are. people who are building beach front properties $10 million homes in miami beach. >> movie star homes derek jeter's mansion in florida, the kennedy family. >> the question is why should taxpayers pay to rebuild their homes. this is a moral hazard problem. we encourage people to over build on river beds or beach front properties because guess what? if there's a big storm like sandy the taxpayers rush in to