On a sunny Tuesday evening in Fort Simpson, N.W.T., Derek and Julia Erasmus cook up a dinner of waffles and sausages as their two young daughters play outside.  Watching them, you wouldn't know just how difficult the past two years have been. They were one of 10 families who lost their house when the community flooded in 2021. "It's kind of just a huge life-changing event," Derek said. "We kind of thought we were going to retire in that house some day … then those plans were all gone after that."