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The firefighter they interview is the dad of an acquaintance of mine. The apartment complex is in my area of town.
And I read this about flood insurance on a local blogger's site this morning:
"Basically, flood insurance either pays for just your house or it pays for your house and the depreciated value of what’s in it. So, like, if a tornado hits my house and destroys my couch, my insurance will pay the cost of getting me a new couch comparable to my current couch, in this case, a crappy $600 couch that ended up not being crappy, but delightfully awesome. They would give me $600 for a couch.
If I had flood insurance and I lost my couch in a flood, I’d only get the depreciated value of my couch, which, considering that it’s an ancient $600 couch, would probably be $0."