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In soaked California, few homeowners have flood insurance

FILE - Floodwaters surround homes on Thornton Road in Merced, Calif., as storms continue battering the state on Tuesday, Jan. 10, 2023. In California, only about 230,000 homes and other buildings have flood insurance policies, which are separate from homeowners insurance. (AP Photo/Noah Berger, File) FILE - Following days of rain, floodwaters cover streets in the Planada community of Merced County, Calif., on Jan. 10, 2023. In California, only about 230,000 homes and other buildings have flood insurance policies, which are separate from homeowners insurance. (AP Photo/Noah Berger, File) In this photo provided by Juan Reyes, homes are surrounded by floodwaters at the Arbor Mobile Home Park where he lives in Acampo, Calif., Sunday, Jan. 15, 2023. In California, only about 230,000 homes and other buildings have flood insurance policies, which are separate from homeowners insurance. Reyes did not buy flood insurance, worried it was too expensive. (Juan Reyes via AP) FILE - Brenda Ortega, 15, salvages items from her flooded Merced, Calif., home on Tuesday, Jan. 10, 2023. In California, only about 230,000 homes and other buildings have flood insurance policies, which are separate from homeowners insurance. (AP Photo/Noah Berger, File)