No Flood Insurance Costs One Midland Family Some Big Bucks

By Cierra Putman
NewsWest 9

MIDLAND COUNTY - The damage left behind by Friday's severe storms is hitting some homeowner's in the pocketbook.

That's because they didn't have flood insurance and one family found out that means they now have a very expensive problem.

"The more I think about it the more I want to cry again," Midland County Resident, Dena Ledbetter said.

At first glance, Ledbetter's home in Midland County may look fine, but just walk inside and take a closer look and you'll smell the sour odor of standing water and see buckled wood and dirty floors.

It's all flood damage thanks to Friday's storms.

"My daughter called me when she got off the bus, hysterical, saying the whole house was flooded," Ledbetter said. "She couldn't contain herself she just kept screaming and crying. I was heartbroken because we built it ourselves."

The family thinks the water swept in through a back door bringing with it red dirt. Even though they're not sure how much water came in, water marks make them think it was anywhere from a quarter of an inch to an inch throughout the entire house.

With no flood insurance, Ledbetter will pay thousands out of pocket.

That coupled with no job and the mounting medical expenses for her terminal illness, makes her nervous.

"I'm not sure how I'm going to do it," she said. "My daughter's 16 and she has a surgery coming up and I'd like her to come home to a clean safe home. I'm sick I can't be around the mold. I've got to get my house done some how."

Insurance agents like Jennifer Gonzalez say Ledbetter's not alone.

She talks to clients who think flood insurance is too expensive and unnecessary until something happens.

"I hope this is like an eye opener for people to actually get flood insurance because it is good and it is not very costly at all," Gonzalez said.

According to, basic flood insurance can be as little as $200 a year.

Ledbetter says in the future she'll shell out the extra money, but in the mean time she and other Midlanders will have to mop up the mess.

"I know there's a lot of Christian people around here that care I'm one of them," she said. "And I now some way God's going to help."