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>> all right, we've got word out that irma is a category 3 storm, with winds of 125 miles per hour, not the 150 mile per hour plus that would deck-- dictate. every time it's over open water, you know the drill, when it's warm it's expected to strengthen. the it's expected to be a category 4 when it hits the florida keys late night tonight or early tomorrow morning, for now, down a little bit to 125 miles per hour the wind makes it just over category 3. laura blanchard, how they're preparing for that. i was reading whenever the storm gets to orlando, it's the strongest storm to hit orlando. so that's a sobering reality,

right? >> yeah, neil, and a lot of folks down here getting ready for that. i'm at one of the gas stations that actually has fuel. orlando well-known for all of these theme parks here, you've got disney, universal, sea world among many others and for the fifth time in the park history, disney is closing and rolling out closing starting at, well, already starting yesterday, but the big closing is happening at 7 p.m. tonight and they'll remain closed through tuesday. many of those resort hotels for disney are going to stay open with limited services, and that's when the park shuts down, remaining closed through tuesday. sea world telling everybody not to worry about the animals, they are being taken care of and they're closing at 5 p.m. today, again, remaining closed through tuesday. of course, as conditions allow. now, neil, the thing about orlando, 400,000 tourists a day, that's what the local tourism sites estimate, about a third of

all jobs here, are tourism related and this is definitely going to have an impact. i was talking to a couple earlier. a french couple in town, they're stuck here trying to figure out what to do before they head down to miami. so, folks here kind of stuck, not quite sure what to do. their disney vacation is upset quite a bit by the storm. neil: yeah, but a lot of them saying a the resorts at disney, not able to take the rides or any of that stuff at disney, right? >> no, no, and the transportation to and from the parks closing down at about 8 p.m. tonight. so, if you're in one of these resorts you're kind of stuck there and services are limited. neil: wow, all right. be safe, lauren. lauren blanchard, fox news correspondent in orlando. and the mayor on the phone. i was thinking of you, as soon as we got word that this was shifting westward, naples was in its sights.

and many of your residents, how are they preparing, how are you preparing? >> you know, it's nice talking with you again, neil. we started preparing, oh, probably five, six days ago. a lot of our residents voluntarily evacuated, and i want to tell you because you were just talking about orlando. i know a lot of people were heading there and are still heading there. and we're doing as well as can be expected here in naples. i think we've prepared well all our emergency responders and they've been doing a really, really good job getting ready for this. and this hurricane is a lot different than wilma because there was a real cavalier attitude with wilma. people were on the beach the day that wilma was coming our way and they didn't want to believe that there was a hurricane coming. you know?

this time was just an absolutely totally different attitude and maybe i'm sure that harvey had something to do with that as well. neil: and i'm wondering, when you hear the storm changes a little bit and gas stations are at that level now where they have little or no gas and these people headed toward orlando, and now, you know, orlando could be in the path of this, did they say i'm staying where i am and how do you feel about that? >> you know, the people that are going to stay, we have been just standing up and saying, look, you need to be in as secure a place as you can and just try and stay in an interior room, and the other issue you were talking about was just-- talking about the fact that the service industry, it's very difficult, but if you were in naples with me right there and you said, hey, i want to get

something to eat, you would have a very difficult time because, of course, everybody's shut down, including 7-eleven and we're kind of like a ghost town. i think that people prepared because we ran out of water a couple of times, but our main store, publix were refilling, as were other stores. i was in there before they closed at 8 p.m. and there were still some supplies on shelves, but it was pretty well picked dry and it's been that way all week. so, i guess, that's a good thing. >> yeah, people seem to be calmly handling there. and it comes from the top. so, mayor, keep at it. bill barnett, the naples mayor. >> thank you, neil so much. >> in the meantime, if you're hearing this play out again, it's pretty much like texas, and a lot of the floridians are in the path of the storm, they're

not insured. in texas four out of five and here it might be half. we don't know for sure, but we know it could be a financial nightmare after the disaster nightmare. the founder of-- henry sheffield, i should say a fox contributor joins us back, and gary b smith. gary, when i look at this, i hear about people who don't have insurance, i'm always surprised, don't a lot of banks and mortgage holders demand it or they don't have complete coverage? what do you make of this? >> i think that's the government. fannie mae does require flood insurance, but there's a disconnect between fema and fannie mae, there's no enforcement mechanism. neil: it's a back stop. >> fema is supposed to be regulating and having their policies up-to-date. so, i think it's a microcosm what happened with the subprime mortgage lending and people taking out mortgages and taking risk and not accountable for it

and there's a domino effect. same thing here, there's a disconnect between making sure home owners know when they're signing the paper work, the paper work, the bureaucracy, they don't even, i think a lot of them aren't aware of the risk, they might not know they're living in a hazard area and fema who is failing to do its job to enforce the mechanism in the documents. >> gary, you would think that almost everyone in florida is in the flood zone, in terms of when a big storm comes, everyone is fair game. so, a higher percentage would have such coverage. it's certainly a higher percentage than we saw in texas, because a lot of the areas affected were not in flood zones and that was a once in a generation, once in an every other generation storm. here, it surprises me. >> yeah, i mean, i'll defer to carrie on this one. i'm shocked. when we moved to florida, that whole flood insurance was new to me as it is to a lot of people

that move to florida and i know hour bank was rigorous, i had to do elevation surveys, there's not only a flood zone, there are specific flood zones depending how high you are above-- we're off the intercoastal and how far we are off the ocean and things like that. depending how high up you are and there's a certain premium that you pay for the flood insurance on top of your home owners. if we did not have the flood insurance we would not have gotten the mortgage. that's surprising to me. >> you're a conscienceous borrower. neil: and put in a moat. and the first thing you need is everyone be safe and survive this and we could peck up the financial pieces afterwards, but this, it sounds to me like there will be a lot of financial pieces. this will be a very expensive storm and for a lot of home owners there could be a case of sticker shock getting there,

their homes back up to snuff here. is florida ready for that? are these residents ready for that? >> i think they've already-- with katrina or houston-- i don't want to characterize 4, it's not houston or katrina. there are people who own houses outright that are worth million dollars, they're self-insured. you don't have to have flood insurance if you don't have a mortgage. you don't have to evacuate, a lot of people own a lot of property and don't insure it and it's too cheap and that's why the flood insurance. neil: does it cover what they thought it would. >> and so i expect, as i said, most people have insurance and have loans on their houses, i expect higher than 50% coverage. and katrina, definitely more, about a quarter, 25%. and a lot of the losses are people taking the risks themselves with millions of dollars, it's not all people just not paying premiums or not

getting insurance. it's the south florida area and coastal areas very wealthy, maybe not inland and upper areas. >> it's expensive to buy the insurance, and with the people in the private getting insurance. it's the same problem in health insurance. neil: and the private market is buttressed by the government. >> it's not truly fairly free, and so we have this distortion and we have moral hazards. neil: and it's not a problem-- and every one we've gone to with our terrific reporters, and maybe it's just me, they're all so close to the water. maybe that's just the case of building in florida, very popular place to go to, i understand that, but i mean, homes and businesses within inches of the water and it doesn't take much of a flood

surge or a tide surge to put them underwater and now that i'm hearing it's going to be up to 15 feet surges, they're all going to be underwater there, that's a lot. what's going on? >> exactly. if you're-- of course, earlier in the week, when we spoke, it looked like the east part of the state, the part of the state that i'm on, and jonas is on when he's down in miami, were in a direct line now. of course, i feel badly for the people of tampa and, of course, on the east side of the state you have the shelf, but here in vero a good, eight to ten feet and we'd be underwater, i wouldn't be broadcasting from vero, but in tampa they're prone and, yeah, that's always the trade-off, if you live wherever-- >> a beautiful place to be, but the risk.

>> and you have to enforce people to pay their premiums, 60% of people getting mortgages are not paying their insurance premiums. neil: a fight for another day. guys, i want to thank you very, very much. the ultimate cost after this. ? then we found out how many years that money would last them. how long do you think we'll keep -- oooooohhh! you stopped! you're gonna leave me back here at year 9? how did this happen? it turned out, a lot of people fell short, of even the average length of retirement. we have to think about not when we expect to live to, but when we could live to. let's plan for income that lasts all our years in retirement. prudential. bring your challenges. what's going on? oh hey! ♪ that's it? yeah. ♪ everybody two seconds! ♪ "dear sebastian, after careful consideration of your application, it is with great pleasure that we offer our congratulations on your acceptance..."

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>> all right. so, president trump already dealing with dual storms. i'm not talking about hurricane irma and jose. there's an outcry from the republicans, the idea of tying together aid with hurricane victims and the debt ceiling and keeping it going a couple of months. and you were just more or less saying he had to do what he did, he could move on and get the aid out to people and maybe get, clear the decks for tax reform and all of that, so all good there, right? >> well, it's circumstance. the american people are not going to understand why are you holding up aid to people, obviously distressed and the

storms coming and you're fooling about a thing called a debt ceiling. no, clear the decks and fight that battle another day. neil: i talked to a republican congressman who said a stand alone bill would have been approved if he'd submit it had that way, but given the closeness of the debt ceiling nightmare, best to do it this way? >> yes, because then they're going to wonder, are they going to get the debt ceiling done? where are you going to get the money from? if you can't legally borrow it and-- >> so you agree with the president doing what he did? >> it's an emergency thing and i think the american people do. the key thing is what happens next, both on the republican side and on the white house side? i think one of the things the white house is going to discover, as much as senator schumer and nancy pelosi might like to cut a deal, the base of their party, is going to severely restrict what they're going to do in terms of concessions. so i don't think you're going to get another-- >> and the one thing that's been out there is the base of the

party, that is the democratic party, might like a tax package that doesn't include a cut for the rich or one that would, you know, limiting deductions on the rich where they end up paying potentially more. i'm sure you wouldn't flip over that, a lot of republicans wouldn't flip over that, but it could get democratic support, what do you think? >> the thing is, what deductions are you going to take away. chuck schumer comes from new york state, tax and lower deductions huge. california the same thing. are they going to take that away? are they going to severely restrict mortgages with the housing industry? >> i think that's a feeling that's what the administration wants to do. >> it's mostly a nonstarter. you might do some token things, but mostly a nonstarter. neil: you know, i talked to ken langone, a fellow rich guy like you, he said, you know, neil, in this environmental like harvey, i don't need a tax cut and get

the money out to people who need it. and others talking to officials, these people in affected areas are going to wet more net-- more net income and the economy is going to warrant it. >> you've got to get the economy moving and deal with resources and get the affected regions back more quickly and everything is disrupted by what's happening in texas and florida. so you want a economy that's starting to pick up around the world and do everything you can to make sure that's not totally blocked. so, this is precisely the time. get that stimulus out there, both in people's paychecks and get the economy growing next year and beyond. neil: you guys at forbes also write about leadership in the corporate world, and the political world. and how do you think that president trump is doing? >> well, i think even though i wish he'd gotten a few more months on the debt ceiling, to give him more running room, he

instinctively understood, republicans needed a slap in the face, get your act together. he hasn't recovered from the fact that he couldn't get a health care bill when they told him they would and now he's got to show that, okay, i got my little deal with schumer and pelosi and now i've got to focus totally on tax cuts. forget reforms, get the rates down, if the economy grows, we know it covers a lot. neil: indeed. and steve forbes, thank you very much, my friend. >> thank you. neil: emanuel cleaver joins us, a missouri congressman, powerful democrat, widely supported on both sides. one of our favorite guests here. i was thinking about you, congressman, you were among the earliest to say in the middle of heated rhetoric on both sides to steve's earlier point, we've got to find a way to work with one another. maybe it's the minister in you or trying to get something done. we've seen the president reaching out to the democrats to

cobble together something and the debt ceiling a few months to get hurricane aid through and what do you make of that and bipartisan cooperation and the states affected by the storms. a lot more of that, certainly than we saw a dozen years ago the time of katrina. what do you think? >> we need a lot more of it, neil, and i don't know whether the president went through a moment of introspection and said i'm going to push for this kind of cooperation across the aisles, and then, you know, make us deal with the two leaders of the democratic caucuses and the senate and the house. but i think that the majority of peop people, yesterday evening, the overwhelming majority of the people i've run into are saying, well, finally you guys are working together and finally getting something done. i don't think that the president-- i mean, maybe that was

accidental, i don't know. but whatever it was, the american public would like more of it. >> i think that steve had mentioned something interesting. i think this applies to both extremes in parties, the compromise part, it's always vilified. so whatever overtures the president might make to nancy pelosi and chuck schumer, there's only so much he might get in return, particularly if the base of the democratic party is very much against conceding any issue to the president even though tax cuts, you could argue for the middle class could be something of which both sides agree. corporate taxes are not as low as the president wants to go. do you think this sets the stage for potential cooperation or was this just a one-off. >> no, i think it does set the stage. i'm going to make a speech in another hour or so here in kansas city and in the speech i'm going to talk about that, i'm going to talk about the fact that this might allow us to do

some desperately needed tax reform, and, you know, the president may want to drop the corporate tax rate to 15% and i don't know what he wants to do. >> david: would you vote for something like that, congressman? >> i will vote for a corporate reduction, but-- >> if it were 15%, you wouldn't? >> that may be a little lower than i'd like to go. but if the president came up with or if the negotiators came up with offsets that would not cause us to continue to have revenues insufficient to covering our budgets, then that's something i have to think about. whether we bring in 3.3 trillion dollars in revenues-- in revenues and fees, but we're projected to spend 4 trillion, so, we've got to somehow bring in additional revenue and i'm not completely opposed to making some reduction in some of our

spending. but we've got to have offsets and hopefully the president would understand, you know, i know what you guys are going to need and you know what i'm going to need so let's figure out how we can satisfy both sides. neil: all right, congressman, thank you, very, very much. when it came to reaching out to the other side. we can be opposite, but we have to, pork-- we have to work with one another. when we come back, governor rick scott, and when it's expected to hit the florida coast sometime tonight or tomorrow morning. stay with fox. but i also know that we're gonna have usaa insurance for both my boys. it's something that they're not even gonna have to think of. it's just gonna be in the family. we're the tenneys and we're usaa members for life.

>> and so it begins. 25,000 we're told, a little north of that, without power in florida. expected to balloon to 9 million by maybe late this time tomorrow. and that's after the hurricane hit.

you've heard about the exodus. close to 6 million, largest evacuation in american history. more could be added to that as the storm knocks on the door of the sunshine state. stay with fox, we're here with you all day. >> evacuations are in place across the state. more than 5.6 million floridians have been ordered to evacuate. you need to listen, listen to local evacuation orders. if you live in an evacuation zone in southwest florida, you need to be on the road by noon or find a near shelter to avoid life threatening weather. these winds are coming. elizabeth: hurricane irma barrels toward florida as a strong category 3. the outer bands are lashing parts of south florida. leland: thousands of floridians have heeded governor rick scott's warning to get out and get out