All of these families have either stayed in their original (often damaged) homes or relocated to New Verapaz but decided to move back to their old "high risk" homes.
High-risk homes include those with lead plumbing or service lines, pipes made of lead that connect a home's meter to the main.
Their children will be born into inadequate, high-risk homes, often with single parents, and destined by their low IQ to remain stuck in poverty.
Malcolm Tarling, spokesman for the Association of British Insurers said existing policies would be renewed albeit at a possibly higher premium, but confirmed some insurers might refuse to offer new insurance policies on high-risk homes.
Philadelphia failed to test the required number of high-risk homes in 2005, 2008, 2011, and 2014, despite the department's own estimate that 50,000 such pipes exist in the city.
Under the terms of the scheme, known as Flood Re, all UK household insurers will have to pay in £10.50 each to a fund that can be used to pay claims for people in high-risk homes.
Despite the UK government's difficulty in agreeing a new flood insurance scheme with the industry to ensure affordable cover for high-risk homes, Britons are better off in this regard than many Europeans.
But under his leadership, Pittsburgh also failed to test the required number of high-risk homes for lead, and said he felt "I'd have been fired" if Pittsburgh exceeded federal limits for lead.
To treat younger children growing up in high-risk homes, Burke is collaborating with Alicia Lieberman, a leading San Francisco psychologist who is a pioneer of child-parent psychotherapy, which enables therapists to work simultaneously with children under five and their parents.
