This story was originally published by ProPublica and The Assembly . ProPublica is a Pulitzer Prize-winning investigative newsroom. Sign up for The Big Story newsletter to receive stories like this one in your inbox .

Slogging through a thick slop of mud and rock, Brian Hill passed the roof that Hurricane Helene’s floodwaters had just ripped off someone’s barn and dumped into his yard. Then he peered into the unrecognizable chaos inside what had been his family’s dream home.

The century-old white farmhouse, surrounded by the rugged peaks of western North Carolina, sat less than 15 yards from the normally tranquil Cattail Creek. As Helene’s rainfall barrelled down the Black Mountains last September, the creek swelled into a raging river that encircled the house. Its waves pounded

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