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ADVANCE FOR USE MONDAY, MARCH 24, 2014 AT 3 A.M. AND THEREAFTER - Regina Bachman looks through papers dealing flood insurance on her property inside her home in Loveland, Ohio on Friday, March 21, 2014. Bachman bought the home in September 2013 and was initially told by the bank that flood insurance on the property would be affordable, only to find out after closing that the rates were going to increase over $7,000 more annually with new premiums for the National Flood Insurance Program. (AP Photo/Al Behrman)

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