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Bob Brellenthin of Pahlen Realty stands in a residential area of Roseau, Minn. on Thursday, March 20, 2014. No Minnesota community has been affected more by the nationwide spike in flood insurance premiums than the far northwestern city of Roseau, where the specter of rates rising by as much as $400 to a monthly home payment has just about dried up the local housing market. Nearly the entire community lies within the Roseau River flood plain, hard-hit by a major flood in 2002, so mortgage lenders require purchasers to take out flood insurance. (AP Photo/Bruce Crummy)

Bob Brellenthin of Pahlen Realty stands in a residential area of Roseau, Minn. on Thursday, March 20, 2014. No Minnesota community has been affected more by the nationwide spike in flood insurance premiums than the far northwestern city of Roseau, where the specter of rates rising by as much as $400 to a monthly home payment has just about dried up the local housing market. Nearly the entire community lies within the Roseau River flood plain, hard-hit by a major flood in 2002, so mortgage lenders require purchasers to take out flood insurance. (AP Photo/Bruce Crummy)

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