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Flood insurance must be purchased by home and business owners in high-risk areas with mortgages from federally regulated or insured lenders.

Three items were seized - a rare pomegranate vase; a doucai-style wine cup and a porcelain bowl - and had a combined insured value of £2.8m.

And while credit unions are federally insured by the National Credit Union Administration, there are questions over whether those protections will last.

It is insured, but for the musician the violin is "priceless".

She said she was insured “to a minimum” and has been advised that rebuilding could cost $1.5 million.