The Jersey City-based Insurance Service Office estimated at the time that Louisiana alone had $24.3 billion in insured losses.

It would take nearly 20 years for Terrance Leon George to completely come to terms with the trauma from the storm.

Joyce Griffin pulled down a giant bowl from the cabinet in the kitchen of her two-bedroom apartment in Gulfport, Mississippi, and poured a heaping helping of cereal and milk into it.

Terrance Leon George — her 4-year-old grandson — and his mother, Nakisha, twin brother, Marcus, and baby sister, Arris, all spooned from it for their morning breakfast. A friend of his grandmother's was visiting.

Then the house started shaking. Hurricane Katrina was barreling into their hometown.

After a window broke, they scrambled and fled to the bathroom.

And they

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