It's not great news for residents in dozens of Wisconsin communities, including the flood-damaged Lake Delton and La Valle. State and federal officials said that they are at risk of millions of dollars in losses due to dropping out of the federal flood insurance program. Even if the communities are declared federal disaster areas, residents there would not be eligible for federal disaster assistance. The good news is the communities that dropped out of the program – including those hit by this week's flooding – can petition to get back into the program and the benefits would be retroactive. That process could take several months.