In Aina Haina and Niu Valley two of the areas hit hard by the floods, only 900 homes are covered by the federal program which means many outside of the flood-zone are not covered for that type of disaster. Aina Haina resident Don Bartley had flooding downstairs in his home and mud damage around his property. "I just learned the other day, we can get flood insurance even though we are not in a flood area according to the maps, but now we find out we can" he adds.