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Flood Insurance-3

Darrin Moir, right, and his wife Leonor Moir, stand on March 18 on the deck of their house, which is located along the Little Hoquiam River in Hoquiam, Wash. The Moirs currently pay about $1,700 annually for flood insurance, even though they say they have never had a major flooding incident since buying their home in 1996. Possible rate increases could up their premiums to more than $9,000 a year, which they say could prevent them from eventually selling their home.

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