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Having lived for many years in the “flood-free” city of Johnstown, Penn., I understand the importance of having a sound flood insurance program. In 1977, massive rainfall fell in the Johnstown area (nearly 12 inches in 10 hours), resulting in 85 flood-related deaths and untold property damage. This occurred after the government installed a flood control system following the St. Patrick’s Day flood of 1936 that was supposed to protect the city from future floods.

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