Overall, experts say Hurricane Irene will prove to be one of the costliest disasters in U.S. history, with damages of up to $10 billion. There are growing concerns most effected residents will be left to cover the bill, as standard insurance plans generally cover damage caused by wind, but not by flooding. A review by the Kinetic Analysis Corporation says insurers may end up covering less than 40 percent of the costs because of a lack of flood insurance and a sharp increase in deductibles in coastal areas.