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The details determine flood insurance need

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FEMA officials will be inspecting more flood damaged homes in northeastern Minnesota today. Local officials say that more than 1,700 homes were damaged by flooding during the big storm last month.

Unless President Barack Obama makes a disaster declaration for individual assistance, people without insurance will have to pay for all of the repairs themselves. Records show that only 100 homeowners in the entire region carried flood insurance. This has raised the issue of who should be carrying flood insurance.

MPR's Cathy Wurzer spoke with Dave Szczepanski, president of the Garry Insurance Center, an independent agent in North St. Paul, about how flood insurance works.