have a house in san diego and covered by shed, they offer a flood production and that will go through nfip protection in my home is damaged by floods, i'm just out of luck? >> yeah, and if you're in a flood zone, you have to have but insurance if you have a mortgage. a lot of these places are not in flood zone so if you are not, you don't have flood insurance and people don't understand that flood insurance is not covered by a standard policy. amber: they might be unprepared when your but they make up for it in subsequent years. might this affect the current industry and the parts of the market going forward? >> the industries repaired but the homeowners are unprepared for what is happening. the industry gets worried when you have these odd events. there's only a handful of tropical storms that hit california since the 1930's. they may be more wary of associated risks may be the commercial side. people tend to not learn their lesson. they keep moving into potential flood reason -- regions and rebuilding. amber: when you talk about the kind of state coverage, will people be expected to wait

we're not having the conversation and can't get the ball rolling from a fema perspective to fix the nfip the folks needing immediate assistance but that bigger picture is extremely vital going forward. thank you for your time. appreciate it. >> thank you for having me on. >>> meteorologist angie lassman, let's talk about what folks could expect and where in the next few hours, angie? >> alex, all of this is really focused towards parts of the southeast. we're wrapping things up in florida when it comes to the heavy rain and the strong winds and surge will move out. we'll see the water leaves recede after we get past high tide which comes somewhere between 3:00 to 5:00 along the west coast. but notice, we've still got the heavy rain across parts of georgia, into the carolinas. charleston already seeing a couple of tornado reports this morning. we're going to continue to see right now those winds sustained at 75 miles per hour with a category one at that. and i expect it to become a tropical storm with the next up day. but either way, the rain continuing to work through parts of georgia. w