i want you to hear from mike ca cassel. they took their 3-year-old girl into the basement and that is what they're sure saved their lives. take a listen. >> it look as little more like oklahoma today, but it's south jersey, farm town. never would have thought. >> reporter: people keep saying three minutes. how desperate do you think it would have been had you not heeded the warning? >> i think it would have been dire for a lot of people. i mean, you see ore there the house is completely flattened unfortunately. they did the same thing. they went in the basement. something felt different, and ev did the right thing fortunately. >> reporter: it certainly was different. the governor of new jersey says there are at least 23 deaths, but none in this neighborhood. people's dream homes, kate, have turned into complete rubble. and the next question is do you rebuild? i mean you heard mike cassel say, this is new jersey, not oklahoma, and they don't know what the insurance will cover. and, quite frankly, kate, they're not sure they