Steve Skoda

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Steve Skoda stands outside of his vacation home in Lincoln, Neb. on Wednesday, March 19, 2014. Skoda, 57, said he was notified earlier in the year that his flood insurance premium would be increasing by more than 20 percent because the home lies in a flood plain, and it isn't his primary residence. "We can handle it, for the most part, but it’s never fun to have higher bills than you anticipate," Skoda said. Thousands of Nebraska homeowners will see an increase in their premium rates because of changes to the National Flood Insurance Program, which is $24 billion in debt. (AP Photo/Grant Schulte)