Florida Homeowners Are Paying the Price of a Broken Disaster System

Two years after the water came, Jen and RJ Garbowicz still own a piece of St. Petersburg. It is an empty lot on a bayou off Tampa Bay, nearly an acre, with a few concrete pilings jutting out of the ground where their house once stood. Hurricane Helene flooded it in September 2024. Hurricane Milton tore up the roof less than two weeks later. The couple had both flood and homeowners insurance.

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