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Tropical storms some of how are people getting insurance in florida? homeowners are looking toward small in-state companies at a time when six of those companies were declared insolvent even before hurricane ian. but it's not that simple. the cost is enormous. just look at the numbers. if you look at data from the insurance institute, it's already tripled the national average for insurance. in florida, the average price for a policy is more than $4,200 a year compared to the u.s. average of more than $1,500. there's a lot of finger-pointing taking place. we've heard from people within the insu...

Bay. people are on the roofs. there's -- it's -- there's a lot of lives lost here. this island is -- i couldn't even find my street where i live, i mean, that's how bad it is. >> you know, i saw it from the air, and i can't imagine what it was like to be in it as it was happening. we have a photo you took from the second floor where you were sheltering. what did you think when you saw this storm surge? >> i was thinking, man, i tell you what. i made the biggest mistake of my life, to be honest with you, john. i was able to get into a solid building. i got out of my place because i knew somethi...

Struggles to recover this morning, perhaps no area has it more difficult in the recovery than fort myers beach. video from that region is just astounding, and governor ron desantis labeled it ground zero after fierce winds and powerful storm surge flattened most of the island. there was one resident whose home was destroyed by the storm that witnessed some of ian's worst conditions. here's what he shared with cnn's john berman. >> this could be the worst storm ever. and then it was supposed to go toward tampa. then they talked about the storm surge being 18 feet, you know. i think a lot of peo...

Here in south florida, the sun is starting to come out. we're getting a clear picture of how extensive the damage is, an hopefully soon rescuers will be able to get to pine island, sanibel island, to really survey wait looks like and if folks need desperate assistance. >> we can't forget about these communities like captiva and sanibel where they've been basically cut off because the bridges leading there have been destroyed. boris, thank you for that and for that interview. meantime, president biden says relief efforts in florida could take months, even years. how his administration is work...

There were a come of leaks especially and the sliding doors. the hard part was mixes in hurricane weather with high tide. that's what caused all this devastation. we were at the high tide mark when all this occurred. >> reporter: so you did have a lot of people lose power in south carolina. there was a lot of localized flooding, trees down, wires were affected as well, the electrical wires. but people listened. there were no mass evacuations in the state, but because florida was so bad and people were really thinking about what was happening there, they were paying attention and amazingly and ...