Hurricane Helene has left a devastating impact across the southeastern US, particularly in western North Carolina, with over 200 fatalities, making it the deadliest US storm since Hurricane Katrina. A significant issue exacerbating recovery efforts is the low prevalence of flood insurance among affected residents; only about 0.5% to 1% of homeowners in the hardest-hit areas possessed such coverage, creating substantial financial challenges for recovery. The National Flood Insurance Program's limitations, alongside underestimations in FEMA's flood maps, have left many unprotected, while federal disaster aid offers limited assistance compared to the actual coverage needed. In Florida, insured losses are estimated to reach $777 million, largely due to wind and flood damage, highlighting the financial strain on areas affected by Helene. Rescue operations continue in isolated regions, and both federal and volunteer efforts are focused on providing essential supplies and support to those affected. Despite the federal government's assurances of aid, the lack of flood insurance remains a critical gap in disaster preparedness nationwide.