FAIRVIEW, North Carolina – A dusting of December snow had turned the mountains around her white, but Elizabeth Clark barely had time to notice.
It had been 438 days since Hurricane Helene’s floodwaters wrecked her home’s foundation, inundated the first floor, destroyed the septic system and swallowed their belongings. Her mortgage company agreed to pause her payments for a year, but now seemed to be losing patience over the $270,000 she still owed on a house no longer safe to live in.
“I’ve never missed a payment in my whole life,” said Clark, a neonatal nurse at a nearby hospital. “Here now, at 42 years old, I’m having to consider foreclosing.”…