Depends on resources. After charley There were fema trailers and blue tarps for at least 3 years after. If this track holds they are going to get absolutely creamed.I ask this every time a named storm comes through, could someone walk me through insurance coverages for the average homeowner in harm's way? In MI, when we get a strong storm, basements flood and people get zilch. You make a gross mistake (as my late brother did fixing a toilet) with your plumbing and your basement floods, you're covered. I know all about NFIP and it's limitations. Say I'm 65, retired, living in Clearwater and suffer $100K damage between wind and water, what would be a usual recovery. Every winter I think about FL, not so much this week.