(AP) — Thousands of people who don’t have flood insurance could face staggering costs to rebuild after last week’s devastating floods in Colorado.

And they may be dismayed to learn that aid from the government is limited, and focused primarily on getting them temporary help with renting a new place or paying for relatively minor repairs on their homes.

For residents who lack flood insurance to cover bigger, longer-term costs, their only option might be a low-interest government loan or community-based relief groups.

More than 7,200 homes and businesses were damaged or destroyed in Larimer and Boulder counties, the hardest-hit areas of Colorado. But the Federal Emergency Management Agency says fewer than 6,000 people in those two counties had flood insurance.

It’s unknown how many of the insured homes and businesses suffered flood damage.

Larimer County insurance agent Eric Weedin calls it heartbreaking.