I bought a home in Florida for $540,000 and Hurricane Milton is tearing through our neighborhood. We don't have flood insurance, and I know I'm not sleeping tonight.

I bought a home in Florida for $540,000 and Hurricane Milton is tearing through our neighborhood. We don't have flood insurance, and I know I'm not sleeping tonight.

AP Photo/Julio Cortez

This as-told-to essay is based on a conversation with Natalie Schwartz, 24, a Wesley Chapel, Florida resident who is sheltering in a new home amid Hurricane Milton. It has been edited for length and clarity.

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