Disaster_Accident
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The waters in Tewkesbury turn a bicyclist into a pedestrian. Rain and winds battered areas of Britain in late November, flooding 800 homes, officials said. With more storms on the way, the government and the insurance industry are engaged in finger-pointing about who should pay. (Associated Press)

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A property stands surrounded by floodwater near the River Severn in Tewkesbury, England, last week as heavy rain continued to fall across Britain, growing the concerns of homeowners and businesses about the cost and availability of flood insurance. (Associated Press)

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Police officers and firefighters gather at the entrance to the Sasago Tunnel on the Chuo Expressway in Otsuki, Yamanashi Prefecture, in central Japan, on Sunday, Dec. 2, 2012. Parts of the tunnel collapsed, trapping an unknown number of vehicles, as smoke from a fire inside prevented rescuers from approaching. (AP Photo/Kyodo News)

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Wisconsin running back Montee Ball (28) is tackled by Nebraska safety P.J. Smith (13) during the first half of the Big Ten championship NCAA college football game Saturday, Dec. 1, 2012, in Indianapolis. (AP Photo/Michael Conroy)

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Emergency personnel attend to injured passengers after a bus accident at Miami International Airport on Saturday, Dec. 1, 2012, in Miami. (AP Photo/El Nuevo Herald, Roberto Koltun)

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New York Mayor Michael Bloomberg, center, departs from a press conference after discussing New York's request for federal disaster relief at the U.S. Capitol Building, Washington, D.C., Wednesday, November 28, 2012. (Andrew Harnik/The Washington Times)

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Officials work the scene of derailed freight train tank cars in Paulsboro, N.J., Friday, Nov. 30, 2012. People in three southern New Jersey towns were told Friday to stay inside after a freight train derailed and several tanker cars carrying hazardous materials toppled from a bridge and into a creek. At least one tanker car may contain vinyl chloride, Gloucester County Emergency Management director J. Thomas Butts told WPVI-TV. (AP Photo/Mel Evans)

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An official stands by derailed freight train tank cars in Paulsboro, N.J., Friday, Nov. 30, 2012. People in three southern New Jersey towns were told Friday to stay inside after a freight train derailed and several tanker cars carrying hazardous materials toppled from a bridge and into a creek. At least one tanker car may contain vinyl chloride, Gloucester County Emergency Management director J. Thomas Butts told WPVI-TV. (AP Photo/Mel Evans)

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Officials stand next to derailed freight train cars in Paulsboro, N.J., Friday, Nov. 30, 2012. People in three southern New Jersey towns were told Friday to stay inside after a freight train derailed and several tanker cars carrying hazardous materials toppled from a bridge and into a creek. At least one tanker car may contain vinyl chloride, Gloucester County Emergency Management director J. Thomas Butts told WPVI-TV. (AP Photo/Mel Evans)

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Officials stand by derailed freight train tank cars in Paulsboro, N.J., Friday, Nov. 30, 2012. People in three southern New Jersey towns were told Friday to stay inside after a freight train derailed and several tanker cars carrying hazardous materials toppled from a bridge and into a creek. At least one tanker car may contain vinyl chloride, Gloucester County Emergency Management director J. Thomas Butts told WPVI-TV. (AP Photo/Mel Evans)

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Officials stand next to derailed freight train cars in Paulsboro, N.J., Friday, Nov. 30, 2012, after several tanker cars carrying hazardous materials toppled from a bridge and into a creek. At least one tanker car may contain vinyl chloride, Gloucester County Emergency Management director J. Thomas Butts told WPVI-TV. (AP Photo/Mel Evans)

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The Korea Space Launch Vehicle-1 sits on its launch pad at the Naro Space Center in Goheung, South Korea, on Thursday, Nov. 29, 2012. South Korea on Thursday scrapped an attempt to fire its first satellite into orbit from its own soil amid speculation that North Korea was preparing to fire its own long-range rocket. (AP Photo/Yonhap, Shin Jun-hee)

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Craftmark Homes is building 16 single-family homes at Fairview Manor in Bowie. The Kenwood model, which has 5,136 square feet, is priced from $656,900.