A growing number of states, including New York and New Jersey, are passing flood disclosure laws. But many still don’t have them.

Mobile homes are uniquely vulnerable when natural disasters hit, and face challenges when trying to get recovery money. Some in Colorado are still grappling with the effects of flooding in 2013.

Nationwide, only 4 in 100 homes are covered, a FEMA official says. Without it, victims are pretty much on their own.

Short answer: Flooding cost insurance companies too much money, so the federal government stepped in.

The lawsuit filed by Houston residents whose homes were flooded could set precedent for disaster liability.

His advice: Have your proof of ownership ready.