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Here’s a look inside some of the houses affected by Harvey

Time-lapse video shows a Houston garage flooded with water on Sunday following heavy rains from Hurricane Harvey – Aug 30, 2017

As the rain in Texas starts slowing down, residents hit by Harvey’s devastation are starting to return to see the damage.

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At its worst, Harvey was a Category 4 hurricane; it’s now been downgraded to a tropical depression. More than 20 people have died and the death toll could still rise.

It’s also left at least $23 billion worth of property damage in its wake, Reuters News reports. Others place the damage as high as $100 billion.

WATCH: Continuing coverage of Harvey on Globalnews.ca

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But flooding is continuing to damage thousands of homes in Texas, and many are not insured for the damages.

Blair Feltmate, head of the Intact Centre on Climate Adaptation at the University of Waterloo, said many homeowners in Harvey’s path of destruction do not have flood insurance and when families return home, they will be forced to pay out-of-pocket or take on more debt for the necessary repairs.

“It’s clearly going to be one of the most costly [North American] events ever, both from an insured and non-insured perspective,” Craig Stewart, vice-president at the Insurance Bureau of Canada, told Global News.

Here’s a look inside some of the houses affected by Harvey.

Larry Koser Jr. (L) and his son Matthew look for important papers and heirlooms inside Larry Koser Sr.’s house after it was flooded by heavy rains from Hurricane Harvey on Aug. 29, 2017, in the Bear Creek neighbourhood of west Houston, Texas. The neighbourhood flooded after water was released from nearby Addicks Reservoir. 

Photo by Erich Schlegel/Getty Images. Photo by Erich Schlegel/Getty Images

A woman uses a coat hanger to try and retrieve an item from a destroyed house after Hurricane Harvey struck Fulton, Texas, Aug. 26, 2017.

REUTERS/Rick Wilking/File Photo. REUTERS/Rick Wilking/File Photo

An East Houston landlord strips a house of drenched carpet as many people return home to begin rebuilding from the destruction of Hurricane Harvey on Aug. 30, 2017, in Houston, Texas.

Photo by Robert Gauthier/Los Angeles Times via Getty Images.

Houston residents in the Lakewood neighbourhood return home to begin rebuilding from the devastating effects of Hurricane Harvey.

Photo by Robert Gauthier/Los Angeles Times via Getty Images. Photo by Robert Gauthier/Los Angeles Times via Getty Images

Aaron Tobias who said he lost everything stands in what is left of his home after Hurricane Harvey blew in and destroyed most of the house on Aug. 26, 2017, in Rockport, Texas. Tobias said he was able to get his wife and kids out before the storm arrived but he stayed there and rode it out. 

Photo by Joe Raedle/Getty Images.

*With files from Andrew Russell

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