Estimates on the numbers of homes flooded or destroyed in Puerto Rico have been difficult to ascertain, however, the damage is expected to be significant, unprecedented and widespread. Many Puerto Rican homeowners will not have insurance to help with rebuilding in the wake of Hurricane Maria. Even if they do, the standard homeowners insurance policy will not cover flood damage, but may cover wind damage. Moreover, fewer than 1% of Puerto Rico’s 1.6 million housing units have coverage from the U.S. National Flood Insurance Program. Homeowners’ will likely have to rely on their own money or FEMA assistance.