SARASOTA, Fla. – Neighborhoods impacted by flooding after Debby are just starting to make sense of the damage, with floodwaters finally out of their homes. In some neighborhoods in Sarasota and Manatee counties, every home saw feet of water, and many people are without flood insurance because they believed they were not in a flood zone. Now insurance experts are warning: if you live anywhere in this state, you need it.