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reporter: would that have been to expensive? yeah. reporter: a similar situation for randy beatty. that s the couch and recliner and stuff there. reporter: all that s gone. yeah. reporter: he canceled his flood insurance about eight years ago, but when ian hit, the water that spilled into his condo nearly reached the ceiling. there s a lot of people probably in the same shape at me. same boat. we re all in the same boat here. reporter: according to the insurance information institute, only about 18% of florida homers insurance. the further you get from the coastline, i think you ll find more who do not have flood insurance. reporter: including central florida. there, 5% or fewer have the insurance. he s doing what he can to help his neighbors while sorting out ....