The flooding has primarily affected residents in low-lying areas and those near watercourses such as the Passaic River, Ramapo River, and Pascack Brook. Sewer backups and contaminated water pose health risks, particularly to children and pets. Additionally, delays in addressing water damage can lead to mold growth, which may exacerbate respiratory issues. Homeowners without flood insurance or proper endorsements for sewer backups may face significant out-of-pocket expenses for repairs.