 McCook Lake residents are still reeling from the impact of catastrophic flooding and will be for some time. Dirk Laurie, president of the McCook Lake Association, says some families have lost everything. The pain of that is made worse by the fact most residents couldn't buy flood insurance because of recent decisions. Two years ago, they went and evaluated the floodplain and they said, oh, North Shore Drive, that's not in the floodplain. You don't need flood insurance. Even when they knew the plan was to divert the Big Sioux River into that neighborhood.