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    <div id="breadcrumbs" class="breadcrumbs"><a href="/" class="">Home</a> &raquo; Majority of Hurricane Harvey homeowners uninsured and face billions in damages</div>
    

    <span class="topics"><a href="/topics/54-lending" class="topic">Lending</a><span class="del"> </span><a href="/topics/57-real-estate" class="topic">Real Estate</a></span>


    <h1 class="headline">Majority of Hurricane Harvey homeowners uninsured and face billions in damages</h1>

      <h2 class="sub-headline">Category 4 storm leaves thousands without a home</h2>

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  <div class="date article-summary__post-date">August 29, 2017</div>
  <div class="author article-summary__author"><a href="/authors/367-kelsey-ramirez">Kelsey Ramírez</a></div>
  
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    <div class="tags">KEYWORDS <a href="/keywords/7941-corelogic">CoreLogic</a>   <a href="/keywords/547-houston">Houston</a>   <a href="/keywords/25008-hurricane-harvey">Hurricane Harvey</a>   <a href="/keywords/18224-kbra">KBRA</a>   <a href="/keywords/17779-kroll-bond-rating-agency">Kroll Bond Rating Agency</a></div>

      <div class="image"><img alt="Hurricane Harvey photo 1" src="//www.housingwire.com/ext/resources/images/editorial/A-New-Big-Images/misc/natural-disaster/HurricaneHarveyPhoto1.jpg?1503951065" /></div>


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      <div class="body article-body"><p>Hurricane Harvey hit South Texas as a Category 4 storm, the first major hurricane to make landfall in the U.S. since 2005.</p>            <div class="advertisement " id=""><div class="advertisement" id="div-gpt-ad-inline"></div></div>


<p>In addition to the lives tragically lost, estimates show the damage could total in the tens of billions of dollars, according to a report, RMBS 2.0 Exposure to Hurricane Harvey Affected Counties, released by <strong>Kroll Bond Rating Agency</strong>.</p>

<p><strong>CoreLogic</strong>, a leading global property information, analytics and data-enabled solutions provider, conducted an analysis for the flooding occurring due to Hurricane Harvey. The analysis showed 52% of residential and commercial properties in the Houston metro are at high or moderate risk of flooding, but are not in a Special Flood Hazard Area as identified by the <strong>Federal Emergency Management Agency</strong>.</p>

<p>By Monday morning, FEMA declared 24 counties disaster areas, the state of Louisiana declared five counties and the state of Texas declared 54 disaster areas.</p>            <div class="advertisement ad-mobile-only" id=""><div class="advertisement" id="div-gpt-ad-rect-a-mobile"></div></div>


<p>Across 101 KBRA-rated transactions, with an estimated total outstanding collateral balance of $653 billion, KBRA estimates that 2.8%, or about $18.3 billion, of the collateral in its rated transactions are located in one of the aforementioned disaster declared counties.</p>

<p>KBRA used the Texas and Louisiana declared disaster areas, specific to Hurricane Harvey as of Monday, to identify properties in the related securitizations. Within these counties, the process for identifying exposures could overestimate exposure relative to actual damage as effects of the storm may be localized within a given county. However, given that the storm is still active in the area, the affected area may increase in size through the coming weeks.</p>            <div class="advertisement ad-mobile-only" id=""><div class="advertisement" id="div-gpt-ad-rect-b-mobile"></div></div>


<p>The map below shows the exposure predictions from KBRA:</p>

<p><strong>Click to Enlarge</strong></p>            <div class="advertisement ad-mobile-only" id=""><div class="advertisement" id="div-gpt-ad-rect-c-mobile"></div></div>


<p><a href="/ext/resources/images/editorial/Kelsey-Ramirez/Folder-1/Screen-Shot-2017-08-29-at-43304-PM.png" target="_blank"><img alt="Hurricane Harvey" src="/ext/resources/images/editorial/Kelsey-Ramirez/Folder-1/Screen-Shot-2017-08-29-at-43304-PM.png" style="width: 350px; height: 182px;" /></a></p>

<p>(Source: KBRA)</p>

<p>The hurricane is expected to cause flood damage of at least $35 billion, according to Robert Hunter, <strong>Consumer Federation of America</strong> director of insurance. While this is about the same level as Hurricane Katrina, most Louisiana homeowners had flood insurance, according to an <a href="https://www.usatoday.com/story/money/2017/08/29/hurricane-harvey-houston-flood-insurance-damages-claims/611910001/" target="_blank">article</a> by Bernard Condon and Ken Sweet for <strong>USA Today</strong>.</p>

<p>Hunter estimates only about 20% of homeowners affected by Harvey have coverage, according to the article.</p>

<p>&ldquo;Hurricane Harvey has claimed lives and has been estimated to cause billions of dollars to residential and commercial properties,&rdquo; KBRA wrote. &ldquo;Our sincere thoughts go out those who are affected by this disaster.&rdquo;</p>

<p><strong>Click to Enlarge</strong></p>

<p><a href="/ext/resources/images/editorial/Kelsey-Ramirez/Folder-1/Screen-Shot-2017-08-29-at-43304-PM1.png" target="_blank"><img alt="Hurricane Harvey" src="/ext/resources/images/editorial/Kelsey-Ramirez/Folder-1/Screen-Shot-2017-08-29-at-43304-PM1.png" style="width: 250px; height: 202px;" /></a></p>

<p>(Source: KBRA)</p>

<p>The housing industry continues its effort to help victims of the hurricane. For example, <strong>Wells Faro</strong> and <strong>JPMorgan Chase</strong> each <a href="https://www.housingwire.com/articles/41108-wells-fargo-and-jpmorgan-chase-each-donate-1-million-for-hurricane-harvey-relief-efforts" target="_blank">donated $1 million</a> for Hurricane Harvey relief efforts. <a href="https://www.housingwire.com/articles/41100-housing-industry-gears-up-to-face-hurricane-harvey" target="_blank">Click here</a> to see what other companies are doing to help the hurricane victims.</p>
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