That said, there were people who were totally screwed by circumstances beyond their control.
A relatively small number -- vastly smaller than those harmed by Katrina. And most of these could have mitigated the heartache they're suffering now if they had only taken out flood insurance.
It’s not all about flood insurance though. New Jersey is a small state with a lot of coast line. Problem was lack of mobility from area to area. Rumor and scuttlebutt didn’t help either.