Many victims of Ian do not have flood insurance, October 9, 2022 news

This is the headline on October 9, or 10/9.
Weather = 109
Military = 109


https://www.cnn.com/2022/10/09/us/hurricane-ian-central-florida-flood-insurance-invs/index.html
How can people in Florida where hurricanes are common not have flood insurance? I’m sure many will find it a shock that it is not part of their policy.