These basement dwellers have hit rock bottom.

The city opened help centers in the five boroughs to assist New Yorkers devastated by this week’s deadly catastrophic flooding, but early returns Saturday suggested the word of the centers had not reached the masses. And some who got the memo said they had many questions, but received few answers when they showed up.

Over in Woodside, a frustrated Queens couple lamented how their basement residence suffered a devastating $80,000 in damages and their insurance company refuses to pay.Lucy, 27, a pharmacy assistant and Ken, 31, a medical assistant, share their home with her mom, dad, brother, and sister, and were celebrating the mother’s 50th birthday when the Sept. 1 flooding hit. 

“We just went here for advice, for opinions because we are stuck and we don’t know [what to do],” Lucy said, crying outside the help center at IS 125.

Their walls, furniture, carpeting and appliances were destroyed. A contractor pegged repairs at $80,000 but their insurer underscored “they cover for hurricanes but not for floods. It doesn’t make sense because floods come with hurricanes,” Ken told The Post while holding a bucket of Red Cross cleaning supplies.

“It’s not livable. It smells. It’s full of bacteria and I have OCD,” said Lucy in tears.

The couple is currently living upstairs in a guest bedroom.

“One minute we were having fun and the next moment we were grabbing pails and she [Mom] was diving in the sewage water,” Lucy said.

The couple stopped by the center looking for help regarding the daunting task of recovery without insurance. 

“They gave me some tips but I really didn’t get answers,” Lucy said, adding, “It’s $80,000. Where am I going to get that money?” 

Other basement residents shared a similar gut-wrenching story.

Jazyl Garcia, 33, who is unemployed, lives with her brother Ken Kuranami, 41, a retail store employee, in a $1,500-a-month, two-bedroom apartment on 47th and Skillman in Sunnyside. 

“Our home went under six feet of water,” Kuranami told The Post.

Garcia said she was watching TV when she heard water running, saw the rains coming in and then found herself scooping  water into the sink, thinking it was going to stop.

“Five minutes later the bottom half of the steel reinforced door broke and the water flooded in from my ankles to my knees in 60 seconds,” Garcia recounted.

In the meantime, her brother Kuranami was scooping water from the outside. 

“My brother says do not open the door. I was trapped inside … we were communicating through the bathroom window. I heard a slam and the whole door opened and it was from the knee to the waist in 10 seconds,” Garcia said, adding, “You don’t know what you have until you’ve lost everything. And our friends and family are more than enough.”

The brother and sister moved to the second floor.

Garcia said of the harrowing incident: “I didn’t know what to do. I grabbed my keys and started fighting against the water. I walked up the steps. The water was pushing me down but I was holding onto the wall,” she said. 

“If we waited another five minutes, it would have filled up and we would have been trapped inside,” Kuranami explained, adding, “The bed started floating, the furniture started floating.”

The pair said “nothing survived” and they are currently wearing the clothes that belong to friends.

As for the help center, the siblings said they exchanged information with the Red Cross and Housing Preservation and Development and “time will tell.”

Said Garcia: “We needed any assistance we can get…We need help and we never ask for help.”

In the meantime, friends have started a GoFundMe for them.

“As soon as that door busted open, I was like we’re done. Just accept it. Just save our lives,” said Garcia, adding “I thought I was going to die – drown, die of electrocution, hypothermia.”

Street drains began working around midnight — but they couldn’t get through to 911 for two hours — and today remain crestfallen by the Big Apple’s storm playbook.

“I felt that the city could have said ‘Hey it might happen. Here are some sandbags,’ ” Kuranami said. “Put a barrier, put a barricade but it was nothing. We just kept getting flash flood warnings every 30 minutes which we get all the time,” he said.

“The city didn’t prepare,” added his sister, noting, “If I had been in there I would have drowned.”

Their home now looks like “the inside of a sewer, the inside of a gutter,”  Kuranami said.

The siblings would like to think they’re basement living days are over.

“The reason we are in a basement is because it’s what we can afford. If the city can help us with housing or rent then sure, but our options are basement or nothing,” Garcia said.

The city on Saturday opened five help centers — one in each borough — that will operate each day from 8 a.m. to 8 p.m. and provide those affected with in-person support and information on resources and services, the city Emergency Management and Department of Social Services agencies announced.

Hurricane Ida left at least 46 people dead across five states, including 27 in the Garden State and at least 13 in the Big Apple.