It actually gets worse, flood insurance in Germany is not generally included in your regular policy so you have to pay extra for it. The national average is 46% so there are a lot of people without flood insurance. The local stats are 47% in Nordrhein-Westfalen, 37% in Rheinland-Pfalz, 44% in Hessen and 38% in Bayern.
Usually if the householder is not covered they’re stuck. In this case it was such a large event that the Federal Govt will step in and help out but it might not be enough to cover all the costs. The Federal and State Govts also have to work out how to reinstate the infrastructure, roads, utilities etc. etc. It is a genuine disaster.
Current estimates are €4-5Bn insured loss and probably €5-6Bn uninsured (i.e. pay for your own repairs or get Govt help). It’s horrific