Jason Locke sweeps water and mud from his parents’ home in Westport, Mass., Tuesday, Oct. 30, 2012. Many homeowners who suffered losses because of flooding from Hurricane Sandy are likely to find themselves out of luck. Standard homeowners policies don’t cover flooding damage, and the vast majority of homeowners don’t have flood insurance.Yet it’s likely that many Northeasterners will purchase it in coming months, hoping they’ll be covered the next time around, at a cost averaging around $600 a year. (AP Photo/The Standard Times, Peter Pereira)
