https://consumerist.com/2017/08/29/insurance-wont-cover-damage-to-80-of-homes-flooded-by-hurricane-harvey/

When the flood waters left behind by Hurricane Harvey eventually recede, they will leave behind billions of dollars in property damage. However, a large majority of homeowners will likely have to spend their own money to make their homes livable again.

The Consumer Federation of America estimates that — because of the limited availability of flood insurance and damage limitations placed on most homeowners’ policies — eight out of ten homeowners with flood damage from Harvey don’t have insurance that will cover their claims.