The news: Over 38,600 residential structures were within the flood zone of the Guadalupe River disaster in Texas over July 4th, per Realtor.com. And the aftermath has revealed alarming gaps in locals’ insurance coverage.

The details: Only 7% of Texas homeowners carry federal flood insurance, dropping to 2% in hard-hit inland areas like Travis and Kerr counties, per KUT News. This is the “largest insurance gap in the country,” according to Mark Friedlander of the Insurance Information Institute.

The gap wasn’t always this pronounced. In the past year alone, 39,000 Texans let their flood insurance lapse—one of the biggest drops in the country. Many consumers point to high costs as the reason for dropping coverage.