Fred. >> and as it pertains to the damage of properties, and some folks just getting the chance to assess the damage. most people in that area do not have flood insurance, right? >> reporter: well, if people live outside of these flood-prone areas, chances are they do not have flood insurance, because why would you? if you live in an area that's supposed to flood, say, every 500 years, would it make economic sense to spend hundreds if not thousands of dollars a year for insurance you probably wouldn't need? and so, we're finding cases of that. i want you to listen now to one couple who found t...