Michelle Mullins (left) collects her belongings with the help of her daughter-in-law, Stephanie Mullins, to save from mold and mildew in the house in Castle Hayne, N.C. This is the third time the home has flooded since they have lived there as a married couple but they did not renew the flood insurance because the FEMA premiums are too high.

Michelle Mullins, 58, collects her belongings with the help of her son and daughter-in-law to save from mold and mildew in the house in Castle Hayne, North Carolina on Sept. 15, 2018. Michelle Mullins husband, Bill Mullins Sr., 59, lived in this house since he was a child. This is the third time it has flooded since they have lived there as a married couple but they did not renew the flood insurance because the FEMA premiums are too high.