Crissy and Avi Eliashar bought their home in Jonestown, Texas, 13 years ago. They never had a problem with flooding until water washed away their home. Like many victims of the Texas flood, they don’t have flood insurance to help cover the losses.

In some ways, out-of-towners were more vulnerable in the July 4 flood. At least 19 of the more than 100 people killed were from the Houston area.

Officials in Texas are facing mounting questions about whether they did enough to get people out of harm’s way before a flash flood swept down the Guadalupe River and killed more than 100 people, incl