joining me now is talia buford who reports on the environment and civil and human rights for "pro publica" and is also co- chst of the pbs digital studios climatge program "hot mess." thanks for joining us. we think about the repercussions of what florence is doing to the carolina coastline right now, give us the laof the land of how people are protected, what kind of insurance they have. >> well, we talked to insurers along the coast of national security council, and basically they td us most of the big insurers you have heard of, the ones with commercials and big,kn yo, agencies around the country, they don't east of 95. that's kind of the highway that runs and kind of divides -- >> that's a lot of lan >> that's a lot of lands. it's not just the outer banks. it's coastal communities, mmunities that just touch the water. and they say they are not able usually to get some of these bigger insurers insure them against wind stos like hurricanes and tropical storms. >> sreenivasan: there's the national flas flood insurance pm that some people are famliar with. you're looking at there's even a