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Workers stand in water as they check a pump near a levee next to the flood swollen Cedar River, Tuesday, Sept. 27, 2016, in Cedar Rapids, Iowa. An elaborate system of temporary floodwalls largely protected Cedar Rapids homes and businesses Tuesday as the river that runs through the city reached its second-highest peak ever. (AP Photo/Charlie Neibergall)

(Bloomberg View) – No matter how often the U.S. is hit with storms, wildfires and other natural disasters, cities and states remain poorly prepared.

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