Boeing's unionized workers are on strike.

From marketplace in Los Angeles, I'm Nova Safo in for David Brancaccio.

The Boeing story in a moment, first, some 14 million people in the south have been under flood watches from Francine, which made

landfall in Louisiana as a category 2 hurricane on Wednesday.

The slow moving storm is dumping huge amounts of rain and the National Weather Service forecasts

that it will continue to do so through Saturday posing flooding risks.

But it's likely very few homeowners along the storm's path have flood insurance.

As Marketplace as Samantha Fields reports, that coverage gap is also an awareness gap.

Regular homeowners insurance insurance insurance

at the nonprofit insurance information institute says a lot of people don't realize that.

Flood and earthquake are always excluded from a standard home insurance policy.

Those are two types of coverage you always need to purchase separately.

But he says nationally just 6% of homeowners have flood insurance and most who do are required to because they live in a federally designated flood zone and have a mortgage.

Very few homeowners purchase flood insurance voluntarily. It's a huge insurance gap, also a huge

knowledge gap. But Don Griffin at the American Property Casualty Insurance

Association says even when agents make it clear that regular policies

don't cover flooding.

Most people just don't think it's going to happen to them and it's an extra cost that's

six, seven hundred dollars on average a year.

That often doesn't feel worth it.

And Amy Bach at the nonprofit United policyholders

says for many, it's just too expensive.

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