ACAMPO, Calif. (AP) – As California begins to dry out from its recent deluges, one stark reality is coming into focus: Only 230,000 homes and other buildings are insured against flooding in a state with about 39 million residents. That amounts to about 2% of properties. The federal government offers most of these policies, with the private market picking up just a few more. The numbers offer a perspective on the vulnerability of many people’s most important asset at a time when storms in a changing climate are able to carry more rain.