Answer:
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while the speaker appreciates the warmer climate at first
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here are the reasons why Maggie did not have a flood insurance.
C. She felt she needed to save money.
D. She may have misunderstood her basic homeowners policy.
E. Her expenses were already high before paying for insurance.
According to the question, Maggie did not have enough money. She already had more than enough expenses.
The passage also said that there were months that the amount that she had was hardly enough to take care of basic needs.
She did not understand the home owners policy because she was told that they would offer it to her at an additional cost. She may have thought that she already had it covered.