Homeowners hit by Hurricane Helene face the grim task of rebuilding without flood insurance

A week after Hurricane Helene overwhelmed the Southeastern U.S., homeowners hit the hardest are grappling with how they could possibly pay for the flood damage from one of the deadliest storms to hit the mainland in recent history.

The Category 4 storm that first struck Florida’s Gulf Coast on September 26 has dumped trillions of gallons of water across several states, leaving a catastrophic trail of destruction that spans hundreds of miles inland. More than 200 people have died in what is now the deadliest hurricane to hit the mainland U.S. since Katrina, according to statistics from the National Hurricane Center.

Western North Carolina and the Asheville area were hit especially hard, with flooding that wiped out buildings, roads, utilities and land in a way that nobody expected, let alone prepared for. Inland areas in parts of Georgia and Tennessee were also washed out.

The Oak Forest neighborhood in south Asheville lives up to its name, with trees towering over 1960s era ranch-style houses on large lots. But on Sept. 27, as Helene’s remnants swept through western north Carolina, many of those trees came crashing down, sometimes landing on houses.