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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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ADVANCE FOR USE MONDAY, MARCH 24, 2014 AT 3 A.M. AND THEREAFTER - Regina Bachman looks down at a small creek running behind 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 a year with new premiums for the National Flood Insurance Program. (AP Photo/Al Behrman)

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ADVANCE FOR USE MONDAY, MARCH 24, 2014 AT 3 A.M. AND THEREAFTER - This detail of an insurance form shows the cost of flood insurance for Regina Bachman's home in Loveland, Ohio on Friday, March 21, 2014. After stretching her finances to buy a $95,000 home near a creek in September 2013, she was belatedly hit with an annual flood insurance bill of $7,900. The previous owner had paid under $700. (AP Photo/Al Behrman)

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ADVANCE FOR USE MONDAY, MARCH 24, 2014 AT 3 A.M. AND THEREAFTER - Status lights glow on a control panel for a groundwater pump in Hoquiam, Wash. on Monday, March 18, 2014. Most of Hoquiam is in a flood plain, and the mayor says despite the pumps and other measures used to reduce the town's risk of flooding, possible increases in federal flood insurance rates would adversely affect many who live here. (AP Photo/Ted S. Warren)

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ADVANCE FOR USE MONDAY, MARCH 24, 2014 AT 3 A.M. AND THEREAFTER - Jerry Fulbright, a maintenance worker for the city of Hoquiam, Wash., changes a gasket, Monday, March 18, 2014, on an electric generator that will power sewer and groundwater pumps in the event of a power failure. Most of Hoquiam is in a flood plain, and the mayor says despite the pumps and other measures used to reduce the town's risk of flooding, possible increases in federal flood insurance rates would adversely affect many who live here. (AP Photo/Ted S. Warren)

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ADVANCE FOR USE MONDAY, MARCH 24, 2014 AT 3 A.M. AND THEREAFTER - Jack Durney, mayor of Hoquiam, Wash., stands Monday, March 18, 2014 next to a pump that takes groundwater away from neighborhoods in his town, most of which is located on a flood plain. Durney says possible increases in federal flood insurance rates would adversely affect many who live in Hoquiam. (AP Photo/Ted S. Warren)

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ADVANCE FOR USE MONDAY, MARCH 24, 2014 AT 3 A.M. AND THEREAFTER - Jack Durney, mayor of Hoquiam, Wash., stands on a hill on Monday, March 18, 2014, overlooking his city, the Hoquiam River, and Grays Harbor. Because most of Hoquiam lies in the flood plain, Durney says possible increases in federal flood insurance rates would adversely affect many who live in his town. In the old logging port on an estuarine bay, the great majority of the 8,700 residents live in a flood hazard area. (AP Photo/Ted S. Warren)