In this March 22, 2014 photo, Charlie Corson sits on the naked beams in the remains of his flood-damaged home in Lyons, Colo. It was destroyed in fall 2013. The retired bus driver and Vietnam vet who has lived in Lyons for more than 20 years has already seen his flood insurance premium jump by a third to nearly $2,000 because he and his wife had to increase their coverage to qualify for a low-interest loan they might need if they decide to rebuild. (AP Photo/Brennan Linsley)
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