Very few homeowners have flood insurance, and the National Flood Insurance Program is $20 billion in debt. As disasters increase, what is the solution?

As Hurricane Helene barreled across the Eastern Seaboard and inland this week, leaving a trail of devastation in its wake, the storm has exposed a grim reality for thousands of homeowners: most are not covered by flood insurance. This crisis has raised concerns about the nation's preparedness for future climate-driven disasters.