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Only those who have been dead for the past nine months are unaware that the great city of New Orleans was hit by Category 4 Hurricane Katrina, which caused levees between the city and Lake Pontchartrain to break, flooding the city. Across the state line in Mississippi, the full brunt of the hurricane pushed storm surge over towns, tearing them apart. This created an insurance dilemma; windstorm is a covered peril, but damage from flood waters or storm surge is not, unless one has flood insurance. Most did not. Now they have nothing, their homes are destroyed, and the Federal Emergency Management Agency is doing very little to help them.

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