By Thomas Frank — The storm inundated the homes of thousands of Floridians who don't have flood insurance, exposing weaknesses in the nation's effort to address the rising costs of extreme weather.

By BEN FINLEY and STEVE HELBER — When Hurricane Ian struck Florida’s Gulf Coast, it washed out the bottom level of David Muench’s home on the barrier island of Sanibel along with several cars, a Harley-Davidson and a boat