Talisay, about 43 miles south of Manila, was one of several towns ravaged by Tropical Storm Trami, the deadliest of 11 storms to hit the Philippines this year.

The blanket of debris covering a village has become more unstable with rain and streams trapped under it, officials say, and villagers digging with bare hands through muddy rubble is also concerning.

The government figure is roughly triple the U.N. estimate of victims killed in the South Pacific island nation's interior. Estimates of the casualties have varied widely since the disaster occurred.

What happens when small town politics collide with the climate crisis? And how do hazard maps—maps that show which homes in your neighborhood are at risk of getting destroyed or damaged by a natural disaster—come into play? On today's episode, how some people—from Indiana to Oregon to Alaska—are facing some very real concerns about insurance and the ability to sell their houses.

Category 2 Cyclone Seroja raked the area as the storm tracked on a course for Western Australia, dumping heavy rain on the islands and triggering mudslides that buried homes and people.