‘Never in a million years’Barker, along with most of her neighbors, did not have flood insurance. “I never in a million years thought that we would get flooded from the river,” Barker told ABC News. And flood insurance was not required for Barker, because on flood maps maintained by the Federal Emergency Management Agency, her home did not fall within a Special Flood Hazard Area. And because of this misconception, experts estimate that “tens of millions of Americans are not carrying flood insurance when they really should be,” according to Crawford. But the data isn’t public-facing; it can only be seen by current homeowners or by someone purchasing a flood insurance plan, and it isn’t reflected in most of FEMA’s readily available flood maps.