Walk away after a natural disaster?

Hurricanes Irma and Harvey came within a week of each other, and wrought havoc on parts of Florida and South Texas; thousands of homeowners saw their homes destroyed.

While the disaster story may be much the same for both hurricanes, the recoveries could be very different.

Black Knight released its latest Mortgage Monitor report Monday, showing the nearly opposite differences in the FEMA-declared disaster areas in both states, which could cause one city to quickly recover from the storm even as the other continues to struggle.

Before Hurricane Harvey hit South Texas, homeowners in the disaster area held an average combined loan-to-value ratio of 53%, or an average $131,000 in equity per borrower, according to Black Knight’s report. This is the same as the national average, and the lowest for the Houston area since before 2004.

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