WAYNE - The Federal Emergency Management Agency (FEMA) has turned down New Jersey's request for federal aid for the flooding that occurred earlier this spring.

FEMA says most residents have insurance and that the flooding wasn't bad enough to warrant aid.

News 12 New Jersey spoke to homeowners who were flooded in last month. Many of them don't agree with FEMA's decision. Woody Solimino is wondering how bad it has to get in order to receive funding.

Gov. Chris Christie's administration can appeal FEMA's decision, but in the meantime, communities are left responsible for their own costs.