Living in flood plains now means buying insurance for many

DISPLACED.

THE DISASTERALSO LEFT AN EMOTIONAL TOLLON THOSE WONDERING IF THEYSHOULD HAVE BOUGHT FLOODINSURANCE.

TWO WORKS FORYOU PROBLEM SOLVER CORI DUKEEXPLAINS WHY MANY THOUGHTTHEY DIDN'T NEED IT..

ANDHOW NOT HAVING IT... MADERECOVERY DIFFICULT.SONNY WORMSER, FLOOD VICTIM"We didn't think it was evergoing to flood again, andthen it finally crept up onus and got us." THIS..

WASA COMMON WAY OF THINKING FORMANY RESIDENTS IN THE TOWNAND COUNTRY NEIGHBORHOOD INSAND SPRINGS.

IN FACT.

THEOKLAHOMA INSURANCEDEPARTMENT SAYS 90 PERCENTOF PEOPLE IN THIS AREA DIDNOT HAVE FLOOD INSURANCE.THE REASON?

SOT= 53 :33 -59:15 "33 Years since thelast flood in 86, so wedidn't think we would everneed it, and we couldn'treally afford it." MANYHOMEOWNERS SAY THE INSURANCEEITHER FELT UNNECESSARY..WAS TOO EXPENSIVE.

OR JUSTPLAIN CONFUSING.

SOT= 2:40RUSTY GUNN, PASTOR, CHURCHTHAT MATTERS "They were toldthey're in a 100 year or 500year flood plan which isreally confusingterminology." RUSTY GUNN, APASTOR AT THE CHURCH THATMATTERS..

SAYS MANYRESIDENTS ARE NOW REALIZING.LIVING IN A FLOOD PLAIN NOWMEANS PURCHASING FLOODINSURANCE.

SOT= 10:51"everyone needs it outthere."BUT FOR MANY.

LIKE SONNYWORMSER AND KELLI VARNELL.IT'S TOO LITTLE TOO LATE.THEIR FLOOD DAMAGED HOME ISSTILL A WORK IN PROGRESS..ONE YEAR LATER.

SOT= 1:22:44-1:28:50 "We're living onthe other side of the rivernow in a rent house and weare in the process ofbuilding this little bylittle." SOT= 7:58 buttedwith 8:18 "they're one ofthe ones that's probablyfarthest behind." buttedwith " "and the FEMA moneyis not enough to reallysubstantiate anything forthem." ONCE THE WORK ISCOMPLETE.

FLOOD INSURANCE ISMANDATORY.

SOT= 1:58:00 -2:04:33 "They told us oncewe move back in we arerequired to have it.

So, weare not sure how much itcosts, we heard it wasexpensive still." TWO THINGSTHAT CAN AFFECT THE PRICE:HOW FAR YOUR HOME IS ABOVETHE GROUND...AND WHERE ITSITS IN A FLOOD PLAIN.

ANDIF YOUR HOUSE FLOODS ONCEAND YOU DON'T MAINTAIN FLOODINSURANCE AFTER THAT - SOT=Glen Mulready/OID CMSNR -20:28-20:35 "Once youreceive federal help fromFEMA - if you don't maintainflood insurance there won'tbe assistance for your thenext time." FOR MANY..

THECOST OF EITHER REBUILDING ORPURCHASING INSURANCE.

IS AMONETARY HEADACHE.

BUT THEREARE STILL OPTIONS FORASSISTANCE.

SOT= 2:03MARYLYNN LUFKIN / CATHOLICCHARITIES DIRECTOR OFDISASTER ASSISTANCE "So,there are four case managingagencies within the stateand each case managingagency has taken on acertain number of counties."CATHOLIC CHARITIES IS STILLASSESSING HOMEOWNERSSITUATIONS AND CONNECTINGTHEM TO AVAILABLE RESOURCES.AND IF YOU HAVEN'T HEARDFROM A CASE MANAGER..

SOT=2:13 "They can call 211 tobe able to connect with theproper case managing agencywho is handling that area."CORI ON CAM: IF YOU'REUNSURE WHETHER YOU LIVE IN AFLOOD PLAIN... CHECK WITHFEMA.

THE AGENCY HAS AN EASYTO USE TOOL THAT SHOWS IFYOUR ADDRESS IS IN A FLOODZONE.

IT ALSO SHOWS THE RISKLEVEL YOUR HOME FACES.

YOUCAN FIND A LINK TO THAT ONOUR WEBSITE, KJRH DOT COM.CORI DUKE, 2WFY.OUR LOOK BACK AT FLOODING INTHE HEARTLAND - ONE YEARLATER -