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recovery, even for insured, includes planning, action, patience in the months (maybe years) ahead" /><meta property="og:title" content="Disaster dance: Even with insurance, a long, slow slog"/><meta property="og:description" class="speakable-description" content="Road to disaster recovery, even for insured, includes planning, action, patience in the months (maybe years) ahead"/><meta property="og:url" content="https://www.theadvertiser.com/story/news/2017/08/28/disaster-dance-even-insurance-long-slow-slog/609507001/"><meta property="og:type" content="article"/><script type="application/ld+json">
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} .site-nav-active-item .site-nav-theme-border.social-theme-bg.light-blue-theme-bg, .site-nav-active-item .site-nav-theme-border.search-theme-bg.light-blue-theme-bg, .site-nav-active-item .site-nav-theme-border.firefly-theme-bg.light-blue-theme-bg { background-color: rgb(238,238,238); } .sports-theme-bg-hover.site-nav-text-span:hover { color: rgb(0, 155, 255) !important; } .sports-theme-bg, .sports-theme-bg-hover:hover, .site-nav-span.site-nav-sports-span.site-nav-active-span, .noimage .headline-asset-item-tile.headline-asset-item-sports-tile, .parent-label.sports { background-color: rgb(0, 155, 255) !important; } .card-suspender-color.sports { background: rgb(0, 155, 255) !important; } .headline-asset-item-tile.headline-asset-item-sports-tile { background-color: rgb(0, 155, 255); background-color: rgba(0,0,0,0.5); } .listview .noimage .headline-asset-item-tile.headline-asset-item-sports-tile, .listview .headline-asset-item-tile.headline-asset-item-sports-tile, .listview .hgpm-link.sports-theme-bg-hover, .listview .hgpm-link.sports-theme-border-hover:hover { background-color: transparent !important; background-color: rgba(0,0,0,0) !important; } .sports-theme-color, .hgpm-list-text .sports-theme-color .theme-bg-ssts-label, .hgpm-list-text .hgpm-section > .sports-theme-color, .blog-asset-double-wide.sports-theme-color .presto-h1, .blog-asset-double-wide.sports-theme-color .presto-h2, .blog-asset-double-wide.sports-theme-color .presto-h3, .blog-asset-double-wide.sports-theme-color .presto-h4, .blog-asset-double-wide.sports-theme-color .presto-h5, .blog-asset-double-wide.sports-theme-color .presto-h6, .sports-theme-color > .shbfm-subnav-link:hover, .sports-theme-color > .shbfm-subnav-link.is-selected, .sports-theme-color .inline-share-count-blog { color: rgb(0, 155, 255); } .blog-asset-double-wide.sports-theme-color blockquote { border-color: rgb(0, 155, 255); } .footer > nav > .fronts > section.sports h6 { border-color: rgb(0, 155, 255) !important; } .site-nav-span-theme-light-blue.site-nav-business-span.site-nav-text-span.site-nav-active-span { background-color: transparent !important; color: rgb(0, 155, 255) !important; } .site-nav-span-theme-light-blue.site-nav-business-span.site-nav-text-span.site-nav-active-span:hover { background-color: transparent !important; } .site-nav-business-span.light-blue-theme-bg-hover.site-nav-dark.site-nav-text-span:hover, .site-nav-active-item .site-nav-business-span.light-blue-theme-bg-hover.site-nav-dark.site-nav-text-span { background-color: transparent !important; color: rgb(0, 155, 255) !important; } .site-nav-business-item .site-nav-theme-border.light-blue-theme-bg { background: rgb(0, 155, 255) !important; } .site-nav-theme-border.firefly-theme-bg.light-blue-theme-bg, .site-nav-theme-border.social-theme-bg.light-blue-theme-bg, .site-nav-theme-border.search-theme-bg.light-blue-theme-bg, .site-nav-theme-border { background-color: rgb(210, 210, 210); } .site-nav-active-item .site-nav-theme-border.social-theme-bg.light-blue-theme-bg, .site-nav-active-item .site-nav-theme-border.search-theme-bg.light-blue-theme-bg, .site-nav-active-item .site-nav-theme-border.firefly-theme-bg.light-blue-theme-bg { background-color: rgb(238,238,238); } .business-theme-bg-hover.site-nav-text-span:hover { color: rgb(0, 155, 255) !important; } .business-theme-bg, .business-theme-bg-hover:hover, .site-nav-span.site-nav-business-span.site-nav-active-span, .noimage .headline-asset-item-tile.headline-asset-item-business-tile, .parent-label.business { background-color: rgb(0, 155, 255) !important; } .card-suspender-color.business { background: rgb(0, 155, 255) !important; } .headline-asset-item-tile.headline-asset-item-business-tile { background-color: rgb(0, 155, 255); background-color: rgba(0,0,0,0.5); } .listview .noimage .headline-asset-item-tile.headline-asset-item-business-tile, .listview .headline-asset-item-tile.headline-asset-item-business-tile, .listview .hgpm-link.business-theme-bg-hover, .listview .hgpm-link.business-theme-border-hover:hover { background-color: transparent !important; background-color: rgba(0,0,0,0) !important; } .business-theme-color, .hgpm-list-text .business-theme-color .theme-bg-ssts-label, .hgpm-list-text .hgpm-section > .business-theme-color, .blog-asset-double-wide.business-theme-color .presto-h1, .blog-asset-double-wide.business-theme-color .presto-h2, .blog-asset-double-wide.business-theme-color .presto-h3, .blog-asset-double-wide.business-theme-color .presto-h4, .blog-asset-double-wide.business-theme-color .presto-h5, .blog-asset-double-wide.business-theme-color .presto-h6, .business-theme-color > .shbfm-subnav-link:hover, .business-theme-color > .shbfm-subnav-link.is-selected, .business-theme-color .inline-share-count-blog { color: rgb(0, 155, 255); } .blog-asset-double-wide.business-theme-color blockquote { border-color: rgb(0, 155, 255); } .footer > nav > .fronts > section.business h6 { border-color: rgb(0, 155, 255) !important; } .site-nav-span-theme-light-blue.site-nav-opinion-span.site-nav-text-span.site-nav-active-span { background-color: transparent !important; color: rgb(0, 155, 255) !important; } .site-nav-span-theme-light-blue.site-nav-opinion-span.site-nav-text-span.site-nav-active-span:hover { background-color: transparent !important; } .site-nav-opinion-span.light-blue-theme-bg-hover.site-nav-dark.site-nav-text-span:hover, .site-nav-active-item .site-nav-opinion-span.light-blue-theme-bg-hover.site-nav-dark.site-nav-text-span { background-color: transparent !important; color: rgb(0, 155, 255) !important; } .site-nav-opinion-item .site-nav-theme-border.light-blue-theme-bg { background: rgb(0, 155, 255) !important; } .site-nav-theme-border.firefly-theme-bg.light-blue-theme-bg, .site-nav-theme-border.social-theme-bg.light-blue-theme-bg, .site-nav-theme-border.search-theme-bg.light-blue-theme-bg, .site-nav-theme-border { background-color: rgb(210, 210, 210); } .site-nav-active-item .site-nav-theme-border.social-theme-bg.light-blue-theme-bg, .site-nav-active-item .site-nav-theme-border.search-theme-bg.light-blue-theme-bg, .site-nav-active-item .site-nav-theme-border.firefly-theme-bg.light-blue-theme-bg { background-color: rgb(238,238,238); } .opinion-theme-bg-hover.site-nav-text-span:hover { color: rgb(0, 155, 255) !important; } .opinion-theme-bg, .opinion-theme-bg-hover:hover, .site-nav-span.site-nav-opinion-span.site-nav-active-span, .noimage .headline-asset-item-tile.headline-asset-item-opinion-tile, .parent-label.opinion { background-color: rgb(0, 155, 255) !important; } .card-suspender-color.opinion { background: rgb(0, 155, 255) !important; } .headline-asset-item-tile.headline-asset-item-opinion-tile { background-color: rgb(0, 155, 255); background-color: rgba(0,0,0,0.5); } .listview .noimage .headline-asset-item-tile.headline-asset-item-opinion-tile, .listview .headline-asset-item-tile.headline-asset-item-opinion-tile, .listview .hgpm-link.opinion-theme-bg-hover, .listview .hgpm-link.opinion-theme-border-hover:hover { background-color: transparent !important; background-color: rgba(0,0,0,0) !important; } .opinion-theme-color, .hgpm-list-text .opinion-theme-color .theme-bg-ssts-label, .hgpm-list-text .hgpm-section > .opinion-theme-color, .blog-asset-double-wide.opinion-theme-color .presto-h1, .blog-asset-double-wide.opinion-theme-color .presto-h2, .blog-asset-double-wide.opinion-theme-color .presto-h3, .blog-asset-double-wide.opinion-theme-color .presto-h4, .blog-asset-double-wide.opinion-theme-color .presto-h5, .blog-asset-double-wide.opinion-theme-color .presto-h6, .opinion-theme-color > .shbfm-subnav-link:hover, .opinion-theme-color > .shbfm-subnav-link.is-selected, .opinion-theme-color .inline-share-count-blog { color: rgb(0, 155, 255); } .blog-asset-double-wide.opinion-theme-color blockquote { border-color: rgb(0, 155, 255); } .footer > nav > .fronts > section.opinion h6 { border-color: rgb(0, 155, 255) !important; } .site-nav-span-theme-light-blue.site-nav-things-to-do-span.site-nav-text-span.site-nav-active-span { background-color: transparent !important; color: rgb(0, 155, 255) !important; } .site-nav-span-theme-light-blue.site-nav-things-to-do-span.site-nav-text-span.site-nav-active-span:hover { background-color: transparent !important; } .site-nav-things-to-do-span.light-blue-theme-bg-hover.site-nav-dark.site-nav-text-span:hover, .site-nav-active-item .site-nav-things-to-do-span.light-blue-theme-bg-hover.site-nav-dark.site-nav-text-span { background-color: transparent !important; color: rgb(0, 155, 255) !important; } .site-nav-things-to-do-item .site-nav-theme-border.light-blue-theme-bg { background: rgb(0, 155, 255) !important; } .site-nav-theme-border.firefly-theme-bg.light-blue-theme-bg, .site-nav-theme-border.social-theme-bg.light-blue-theme-bg, .site-nav-theme-border.search-theme-bg.light-blue-theme-bg, .site-nav-theme-border { background-color: rgb(210, 210, 210); } .site-nav-active-item .site-nav-theme-border.social-theme-bg.light-blue-theme-bg, .site-nav-active-item .site-nav-theme-border.search-theme-bg.light-blue-theme-bg, .site-nav-active-item .site-nav-theme-border.firefly-theme-bg.light-blue-theme-bg { background-color: rgb(238,238,238); } .things-to-do-theme-bg-hover.site-nav-text-span:hover { color: rgb(0, 155, 255) !important; } .things-to-do-theme-bg, .things-to-do-theme-bg-hover:hover, .site-nav-span.site-nav-things-to-do-span.site-nav-active-span, .noimage .headline-asset-item-tile.headline-asset-item-things-to-do-tile, .parent-label.things-to-do { background-color: rgb(0, 155, 255) !important; } .card-suspender-color.things-to-do { background: rgb(0, 155, 255) !important; } .headline-asset-item-tile.headline-asset-item-things-to-do-tile { background-color: rgb(0, 155, 255); background-color: rgba(0,0,0,0.5); } .listview .noimage .headline-asset-item-tile.headline-asset-item-things-to-do-tile, .listview .headline-asset-item-tile.headline-asset-item-things-to-do-tile, .listview .hgpm-link.things-to-do-theme-bg-hover, .listview .hgpm-link.things-to-do-theme-border-hover:hover { background-color: transparent !important; background-color: rgba(0,0,0,0) !important; } .things-to-do-theme-color, .hgpm-list-text .things-to-do-theme-color .theme-bg-ssts-label, .hgpm-list-text .hgpm-section > .things-to-do-theme-color, .blog-asset-double-wide.things-to-do-theme-color .presto-h1, .blog-asset-double-wide.things-to-do-theme-color .presto-h2, .blog-asset-double-wide.things-to-do-theme-color .presto-h3, .blog-asset-double-wide.things-to-do-theme-color .presto-h4, .blog-asset-double-wide.things-to-do-theme-color .presto-h5, .blog-asset-double-wide.things-to-do-theme-color .presto-h6, .things-to-do-theme-color > .shbfm-subnav-link:hover, .things-to-do-theme-color > .shbfm-subnav-link.is-selected, .things-to-do-theme-color .inline-share-count-blog { color: rgb(0, 155, 255); } .blog-asset-double-wide.things-to-do-theme-color blockquote { border-color: rgb(0, 155, 255); } .footer > nav > .fronts > section.things-to-do h6 { border-color: rgb(0, 155, 255) !important; } .site-nav-span-theme-light-blue.site-nav-life-span.site-nav-text-span.site-nav-active-span { background-color: transparent !important; color: rgb(0, 155, 255) !important; } .site-nav-span-theme-light-blue.site-nav-life-span.site-nav-text-span.site-nav-active-span:hover { background-color: transparent !important; } .site-nav-life-span.light-blue-theme-bg-hover.site-nav-dark.site-nav-text-span:hover, .site-nav-active-item .site-nav-life-span.light-blue-theme-bg-hover.site-nav-dark.site-nav-text-span { background-color: transparent !important; color: rgb(0, 155, 255) !important; } .site-nav-life-item .site-nav-theme-border.light-blue-theme-bg { background: rgb(0, 155, 255) !important; } .site-nav-theme-border.firefly-theme-bg.light-blue-theme-bg, .site-nav-theme-border.social-theme-bg.light-blue-theme-bg, .site-nav-theme-border.search-theme-bg.light-blue-theme-bg, .site-nav-theme-border { background-color: rgb(210, 210, 210); } .site-nav-active-item .site-nav-theme-border.social-theme-bg.light-blue-theme-bg, .site-nav-active-item .site-nav-theme-border.search-theme-bg.light-blue-theme-bg, .site-nav-active-item .site-nav-theme-border.firefly-theme-bg.light-blue-theme-bg { background-color: rgb(238,238,238); } .life-theme-bg-hover.site-nav-text-span:hover { color: rgb(0, 155, 255) !important; } .life-theme-bg, .life-theme-bg-hover:hover, .site-nav-span.site-nav-life-span.site-nav-active-span, .noimage .headline-asset-item-tile.headline-asset-item-life-tile, .parent-label.life { background-color: rgb(0, 155, 255) !important; } .card-suspender-color.life { background: rgb(0, 155, 255) !important; } .headline-asset-item-tile.headline-asset-item-life-tile { background-color: rgb(0, 155, 255); background-color: rgba(0,0,0,0.5); } .listview .noimage .headline-asset-item-tile.headline-asset-item-life-tile, .listview .headline-asset-item-tile.headline-asset-item-life-tile, .listview .hgpm-link.life-theme-bg-hover, .listview .hgpm-link.life-theme-border-hover:hover { background-color: transparent !important; background-color: rgba(0,0,0,0) !important; } .life-theme-color, .hgpm-list-text .life-theme-color .theme-bg-ssts-label, .hgpm-list-text .hgpm-section > .life-theme-color, .blog-asset-double-wide.life-theme-color .presto-h1, .blog-asset-double-wide.life-theme-color .presto-h2, .blog-asset-double-wide.life-theme-color .presto-h3, .blog-asset-double-wide.life-theme-color .presto-h4, .blog-asset-double-wide.life-theme-color .presto-h5, .blog-asset-double-wide.life-theme-color .presto-h6, .life-theme-color > .shbfm-subnav-link:hover, .life-theme-color > .shbfm-subnav-link.is-selected, .life-theme-color .inline-share-count-blog { color: rgb(0, 155, 255); } .blog-asset-double-wide.life-theme-color blockquote { border-color: rgb(0, 155, 255); } .footer > nav > .fronts > section.life h6 { border-color: rgb(0, 155, 255) !important; } .site-nav-span-theme-light-blue.site-nav-obituaries-span.site-nav-text-span.site-nav-active-span { background-color: transparent !important; color: rgb(0, 155, 255) !important; } .site-nav-span-theme-light-blue.site-nav-obituaries-span.site-nav-text-span.site-nav-active-span:hover { background-color: transparent !important; } .site-nav-obituaries-span.light-blue-theme-bg-hover.site-nav-dark.site-nav-text-span:hover, .site-nav-active-item .site-nav-obituaries-span.light-blue-theme-bg-hover.site-nav-dark.site-nav-text-span { background-color: transparent !important; color: rgb(0, 155, 255) !important; } .site-nav-obituaries-item .site-nav-theme-border.light-blue-theme-bg { background: rgb(0, 155, 255) !important; } .site-nav-theme-border.firefly-theme-bg.light-blue-theme-bg, .site-nav-theme-border.social-theme-bg.light-blue-theme-bg, .site-nav-theme-border.search-theme-bg.light-blue-theme-bg, .site-nav-theme-border { background-color: rgb(210, 210, 210); } .site-nav-active-item .site-nav-theme-border.social-theme-bg.light-blue-theme-bg, .site-nav-active-item .site-nav-theme-border.search-theme-bg.light-blue-theme-bg, .site-nav-active-item .site-nav-theme-border.firefly-theme-bg.light-blue-theme-bg { background-color: rgb(238,238,238); } .obituaries-theme-bg-hover.site-nav-text-span:hover { color: rgb(0, 155, 255) !important; } .obituaries-theme-bg, .obituaries-theme-bg-hover:hover, .site-nav-span.site-nav-obituaries-span.site-nav-active-span, .noimage .headline-asset-item-tile.headline-asset-item-obituaries-tile, .parent-label.obituaries { background-color: rgb(0, 155, 255) !important; } .card-suspender-color.obituaries { background: rgb(0, 155, 255) !important; } .headline-asset-item-tile.headline-asset-item-obituaries-tile { background-color: rgb(0, 155, 255); background-color: rgba(0,0,0,0.5); } .listview .noimage .headline-asset-item-tile.headline-asset-item-obituaries-tile, .listview .headline-asset-item-tile.headline-asset-item-obituaries-tile, .listview .hgpm-link.obituaries-theme-bg-hover, .listview .hgpm-link.obituaries-theme-border-hover:hover { background-color: transparent !important; background-color: rgba(0,0,0,0) !important; } .obituaries-theme-color, .hgpm-list-text .obituaries-theme-color .theme-bg-ssts-label, .hgpm-list-text .hgpm-section > .obituaries-theme-color, .blog-asset-double-wide.obituaries-theme-color .presto-h1, .blog-asset-double-wide.obituaries-theme-color .presto-h2, .blog-asset-double-wide.obituaries-theme-color .presto-h3, .blog-asset-double-wide.obituaries-theme-color .presto-h4, .blog-asset-double-wide.obituaries-theme-color .presto-h5, .blog-asset-double-wide.obituaries-theme-color .presto-h6, .obituaries-theme-color > .shbfm-subnav-link:hover, .obituaries-theme-color > .shbfm-subnav-link.is-selected, .obituaries-theme-color .inline-share-count-blog { color: rgb(0, 155, 255); } .blog-asset-double-wide.obituaries-theme-color blockquote { border-color: rgb(0, 155, 255); } .footer > nav > .fronts > section.obituaries h6 { border-color: rgb(0, 155, 255) !important; } .site-nav-span-theme-light-blue.site-nav-archives-span.site-nav-text-span.site-nav-active-span { background-color: transparent !important; color: rgb(0, 155, 255) !important; } .site-nav-span-theme-light-blue.site-nav-archives-span.site-nav-text-span.site-nav-active-span:hover { background-color: transparent !important; } .site-nav-archives-span.light-blue-theme-bg-hover.site-nav-dark.site-nav-text-span:hover, .site-nav-active-item .site-nav-archives-span.light-blue-theme-bg-hover.site-nav-dark.site-nav-text-span { background-color: transparent !important; color: rgb(0, 155, 255) !important; } .site-nav-archives-item .site-nav-theme-border.light-blue-theme-bg { background: rgb(0, 155, 255) !important; } .site-nav-theme-border.firefly-theme-bg.light-blue-theme-bg, .site-nav-theme-border.social-theme-bg.light-blue-theme-bg, .site-nav-theme-border.search-theme-bg.light-blue-theme-bg, .site-nav-theme-border { background-color: rgb(210, 210, 210); } .site-nav-active-item .site-nav-theme-border.social-theme-bg.light-blue-theme-bg, .site-nav-active-item .site-nav-theme-border.search-theme-bg.light-blue-theme-bg, .site-nav-active-item .site-nav-theme-border.firefly-theme-bg.light-blue-theme-bg { background-color: rgb(238,238,238); } .archives-theme-bg-hover.site-nav-text-span:hover { color: rgb(0, 155, 255) !important; } .archives-theme-bg, .archives-theme-bg-hover:hover, .site-nav-span.site-nav-archives-span.site-nav-active-span, .noimage .headline-asset-item-tile.headline-asset-item-archives-tile, .parent-label.archives { background-color: rgb(0, 155, 255) !important; } .card-suspender-color.archives { background: rgb(0, 155, 255) !important; } .headline-asset-item-tile.headline-asset-item-archives-tile { background-color: rgb(0, 155, 255); background-color: rgba(0,0,0,0.5); } .listview .noimage .headline-asset-item-tile.headline-asset-item-archives-tile, .listview .headline-asset-item-tile.headline-asset-item-archives-tile, .listview .hgpm-link.archives-theme-bg-hover, .listview .hgpm-link.archives-theme-border-hover:hover { background-color: transparent !important; 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    A chemical plant in Baytown, TX is under attack by water. Baytown is about 35 miles east of Houston, TX.
    <span class="credit">David D&#39;Aquin / Scott Clause</span></p></div></div><script>
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Christine Berry
</p></aside><div class="clearfix"></div></div><p class="p-text">Berry said the uninsured can still find federal flood insurance even after a flood. If they don't have it, they should seek it. </p><p class="p-text">The National Flood Insurance Program is set to expire Sept. 30, unless Congress reauthorizes it. Sen. John Kennedy, R-Louisiana, introduced the bill in the Senate. U.S. Reps. Clay Higgins, R-Port Barre, and Mike Johnson, R-Shreveport, filed companion legislation.</p><p class="p-text">The bill would minimize premium increases, fund technology for new mapping and encourage mitigation to reduce flood risks.</p><p class="p-text">Flood insurance is meant to make victims whole after a catastrophic event, like Hurricane Harvey that struck the Texas Gulf Coast near Houston and moved inland. FEMA fills in some of the gaps. But flood victims, even the insured, should know that recovery is a process and it's not necessarily a quick one.</p><p class="p-text"><span class="exclude-from-newsgate"><strong style="margin-right:3px;">More: </strong><a href="/story/news/2017/08/28/heartbreak-houston-evacuees-hurting/608461001/">Heartbreak in Houston, evacuees hurting</a></span></p><p class="p-text"><span class="exclude-from-newsgate"><strong style="margin-right:3px;">More: </strong><a href="/story/news/2017/08/28/members-cajun-navy-resucitate-woman/610285001/">Members of Cajun Navy resucitate woman</a></span></p><p class="p-text">"The magnitude of this (Houston) flood, maybe 50 inches of rain, is historic," Ferguson said. San Antonio was facing heavy rains. So was Austin and Lake Charles, Louisiana and, closer to home, Acadiana on Harvey's eastern periphery.</p><div class="partner-placement partner-spike"></div><p class="p-text">When Americans think catastrophic floods, they think about Hurricane Katrina in New Orleans in 2005. But the impact of Houston's flood — some 6 million Texans may be affected, far more than the 1.1 million in New Orleans — means recovery will be slow.</p><p class="p-text">Thom Rickert, vice president of Trident Public Risk Solution in Dallas, said homeowners and business owners should take these steps to protect themselves:</p><ul><li>Have a plan in case of flood disaster. Put things up high. Shut off the electricity and gas. Clear drains. Keep valuable records with you or have them stored electronically. Leave in timely fashion.</li><li>Wait for the "all clear" from experts before returning. Flood water can spread disease. Exposed power lines and gas lines are hazardous. Don't go back to your property until you're told it's safe.</li><li>Consider the local landscape. Check resources like government web sites to know where to get food, water and when you can return.</li><li>Go to your insurance website and open your claim. Contact your agent, who will help. Start the process quickly.</li><li>Document the damage. Take photos, find receipts. Share information.</li><li>Professionals will inspect your property. Work with them. Approach the insurance process with trust. Claims adjusters are trained to not only look at the wall, but to appreciate the damage that may be behind it. You've chosen the insurer, work together with him or her.</li></ul><div class="partner-outstream"></div><p class="p-text">Rickert said with massive weather events like Harvey, recovery takes longer because damage overwhelms everyone.</p><p class="p-text">"Think about it: The businesses that serve recovery are affected. Your local home improvement store might have lost its roof, which means its sheetrock is wet," he said. Repairmen may be fixing their own homes first. If infrastructure — say, a bridge — is damaged, it may take years to replace. That means you drive around, longer distances.</p><p class="p-text">"This type of widespread, catastrophic period can last weeks, months, years."</p><p class="p-text"><span class="exclude-from-newsgate"><strong style="margin-right:3px;">More: </strong><a href="/story/life/2017/08/27/local-couple-stranded-separated-after-brain-surgery-houston/606402001/">Local couple stranded, separated after brain surgery in Houston</a></span></p><p class="p-text"><span class="exclude-from-newsgate"><strong style="margin-right:3px;">More: </strong><a href="/story/weather/hurricanes/2017/08/28/energy-company-donates-1-m-harvey-relief-after-production-sites-spared/610224001/">Energy company donates $1M for Harvey relief after production sites are spared</a></span></p><p class="p-text">Ferguson said while Louisiana may have learned hard lessons from the 2016 floods, they may not have had time to act on them. </p><p class="p-text">"We need to think about how we can deal with flooding in the future, mitigation," he said. "Can we do levees, water retention ponds. What should developers be expected to do?"</p><p class="p-text">Important to consider, too, is that willy nilly development — Houston has no zoning laws — means the ground cannot absorb water where concrete has been laid down, exacerbating flooding. Ferguson said must take flooding into consideration when planning.</p><p class="p-text">Berry said federal flood insurance rates may rise, and that's a good thing. People who build in risky areas ought to be pay more, she said. </p><p class="p-text">"It's hard to swallow, especially after a flood, but that's how insurance works," she said.</p><p class="p-text">In fact, communities must weigh whether they should rebuild at all, in some circumstances. Homeowners may love that lakefront property, and may assume the feds will always be there to insure it. But responsible risk managers might say no.</p><p class="p-text">Or maybe not. Ferguson said only the federal government has the power to deliver flood insurance and people expect it will.</p><p class="p-text">The federal government, he said, is charged with protecting citizens from enemies foreign and domestic — "including ourselves," he quipped.</p><p class="p-text"> </p><p class="p-text"> </p><p class="p-text"> </p><p class="p-text"> </p><p class="p-text"> </p><div id="module-position-QpHi7v3qJBQ" class="story-asset inline-share-tools-asset"><div class="inline-share-tools asset-inline-share-tools asset-inline-share-tools-bottom"><span
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