>> reporter: this is rick wheeler's house. he lives along the guadeloupe river. it's well beyond its banks, oath feet from rick's house. and rick is here with us right now. he's getting ready to drop his own drone to get a look at what is going on. he has four decades in the insurance industry. he understands flood insurance. there are so many people now, only one in four has flood insurance. what's going to happen when they call their homeowner's insurance company and says, i was flooded out. >> it's an exclusion for flood in a homeowner's policy. >> they're going to look in their policy and it's going to be a cold reality. >> they're going to call their agent and they'll say, you have no coverage. >> your home right here, does your mortgage company require you have it? >> you're in a flood zone, your mortgage company requires you to have flood insurance, yes.