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The 75-page report presents a comprehensive set of recommendations for overhauling the federal government’s approach to disaster preparedness, response and recovery.

Nearly 85% of single-family homes at risk of flooding in the U.S. carry insufficient coverage, leaving households vulnerable to thousands of dollars in out-of-pocket costs, according to Neptune Flood.

This year’s hurricane season, which started on June 1, has a 60% chance of above-normal activity, with 13 to 19 named storms expected.

Colorado State University (CSU) hurricane researchers are predicting 17 named storms during the Atlantic hurricane season.

The disaster highlights just how alarmingly low flood insurance coverage is among Americans, particularly in areas that are farther from the coast.