Hurricanes Milton and Helene are exposing holes in the home insurance coverage that many Americans have leaned on for a sense of security in the face of natural disasters. Milton is currently headed for Tampa Bay,

Nevertheless, Keith Turi, the agency’s acting administrator for Response and Recovery, told reporters there are adequate funds to deal with the aftermath of Helene and the pending Hurricane Milton, a Category 4 storm that is heading toward southwest Florida and expected to make landfall late Wednesday evening.

There’s a super fuel that transformed Helene, and now Milton, into monsters: the hot ocean.