ADVANCE FOR USE MONDAY, MARCH 24, 2014 AT 3 A.M. AND THEREAFTER - Kelley McClurkin, talks about how rising flood insurance costs will impact her bakery and deli in Findlay, Ohio on Thursday, March 20, 2014. Her bakery, which sits near a creek that flows into the Blanchard River, has been surrounded by water several times but flooded just once - in 2007 when the worst flooding in nearly a century left behind $100 million in damage. It ruined McClurkin's ovens, display cabinets and walk-in coolers. (AP Photo/John Seewer)
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