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Katherine and Robert Calhoun stand on a bridge overlooking Ecorse Creek behind their Dearborn Heights, Mich., home on Thursday, March 20, 2014. Living so close to the creek in a flood plain has been costly — not the least because it's flooded twice and once caused $19,000 worth of damage they had to pay after their insurance claim was rejected. When the Calhouns bought the house 22 years ago, they paid $300 annually for flood insurance. That bill is now $800. It will only get worse for the Calhouns and people around the nation when federal flood insurance premiums go up soon as decades-old subsides through the National Flood Insurance Program start to end. (AP Photo/Corey Williams)

Katherine and Robert Calhoun stand on a bridge overlooking Ecorse Creek behind their Dearborn Heights, Mich., home on Thursday, March 20, 2014. Living so close to the creek in a flood plain has been costly — not the least because it's flooded twice and once caused $19,000 worth of damage they had to pay after their insurance claim was rejected. When the Calhouns bought the house 22 years ago, they paid $300 annually for flood insurance. That bill is now $800. It will only get worse for the Calhouns and people around the nation when federal flood insurance premiums go up soon as decades-old subsides through the National Flood Insurance Program start to end. (AP Photo/Corey Williams)

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