Thousands of homes were flooded by the Souris River over the weekend in Minot, N.D, when the river over ran sections of the city.
The river peaked at two feet lower than expected, but remains at 13 feet above flood stage. Minot's mayor estimates that more than 4,500 homes were flooded.
Despite the daunting task ahead of them, many homeowners are determined to rebuild and carry on, despite the fact that they have no flood insurance.
"It's our home," Jane Krueger, 76, said Sunday while waiting to meet with the Federal Emergency Management Agency official. "It's where we belong."
IN PICTURES: View pictures of the devastion from the flooding in Minot, N.D. Photos taken by Kyle W. Martin, special to CBN News.
"Just 375 of the 4,000 homes in flooded areas were insured for floods," FEMA spokesman John Ashton said.
Many owners said they had been led to believe it was unnecessary after a 1969 flood led to construction of levees and straightening of the river channel.
But some people refuse to give up and do not fear the problems that are sure to lie ahead in the coming days.
"Failure is not an option. Remember, we go on," one homeowner said.
Many said their religious faith would get them through the disaster. Some like John and Deb Walker, whose home is now covered to the roof, said they would remain in the area that is their "physical foundation."
"But our spiritual foundation is found in Christ," Deb Walker said. "In times like these, we. put our trust in him and let him be our guide."
In Nebraska, the Fort Calhoun Nuclear Station remains surrounded by water.
Workers were forced to shut the plant down when flood waters from the Missouri River reached the plants containment buildings.
Back-up generators are cooling the plant and officials say there is no danger to the public.
Residents of nearly two dozen states were coping with potential flooding on Monday.
Pastor Travis Hovde, with Eagles Wings Community Fellowship in Minot, N.D., talks more about what residents are going through and how the church is struggling to help.