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Where the Mississippi River nears its end, sits a city that nearly faced its own end.“It’s a different kind of place,” said Louisiana native Hosea LaFleur.Nearly 15 years after Hurricane Katrina, New Orleans remains a city where the past never strays too far from the present. The storm is still felt by every homeowner here on their homeowners’ insurance bills.After the storm, insurance companies no longer wanted to offer homeowners insurance in parts of Louisiana that were vulnerable to hurricanes. They thought it was a money-loser.So, the state created Citizens Insurance. Initially controversial, it was funded by all the property owners in the state, including people who didn’t live anywhere near the damaged areas.“That certainly was a hard sell for those folks,” said Louisiana Insurance Commissioner Jim Donelon.Louisiana’s Citizens Insurance eventually helped stabilize the insurance market after Katrina and attracted more than 30 new insurance companies to the state. The number of homeowners on Citizens has also since plummeted, from 174,000 in 2008 to about 38,000 today, representing about 0.4 percent of the market there.“The policyholders are contributing fees, as well as the companies writing business contribute fees,” said Joey O’Connor, owner of the O’Connor Insurance Group and president of the Independent Insurance Agents and Brokers of Louisiana.Hosea LaFleur’s coastal home is on Citizens Insurance.“Just fell in love with it,” he said of the home. “Fell in love with the people, the things, the atmosphere.”It’s been hit by hurricanes twice: first Katrina in 2005 and then Gustav, three years later.“Knocked our walls down, everything down,” LaFleur said.Despite the repeated rebuilding, he wouldn’t dream of giving it up.“It's home to us,” LaFleur said. “We love it. We love everything about it.”Robert Allen is an adjunct professor at the School of Professional Advancement at Tulane University. His courses specialize in risk management and threat assessments. “That's going to start adding up,” he said, of rebuilding in vulnerable natural disaster areas. “Who foots the bill at the end of the day? You do. I do. Everybody else does.”Last year, the U.S. experienced 14 separate billion-dollar natural disasters: two hurricanes, two winter storms, eight severe storms, wildfires and a drought.From California wildfires to Midwest floods to coastal hurricanes, Allen said that as some insurance companies pull back from covering some areas, taxpayers will need to figure out if they want to keep footing the rebuilding bill.“At the end of the day is going to come down to money,” he said. “I mean, how much money is being put into that and at what point again do you decide this is enough?”Allen said one idea that’s been floated is to create a federal natural disaster insurance program, similar to the national flood insurance program. Taxpayers everywhere would be responsible for keeping it solvent.“There was talk or there is some kind of undertones about doing that with all hazards threats -- like doing that with the fires and just underwriting some of this stuff,” Allen said.It’s a challenge that taxpayers will have to confront, if they chose to rebuild areas hit over and over again by nature’s fury. 3259

WASHINGTON, D.C. -- United States officials are braced for Iran to respond to the killing of its most powerful general. They've warned ships across Mideast waterways crucial to global energy supplies about the “possibility of Iranian action" against them. They're noting heightened levels of military readiness in the country and are preparing for a possible attempt on the life of an American military commander. The U.S. is reinforcing its positions in the region. President Donald Trump ordered the Jan. 2 strike against Gen. Qassem Soleimani after the death of an American contractor in Iraq. U.S. officials believe the next steps by America's longtime foe will determine the ultimate course of the latest crisis. Iran has vowed revenge. 753

We are waiting for the experts to affirm what was probably an earthquake here in NEO but please tune in to the news. Dispatch is being overwhelmed with 911 calls - we don't know anymore than you do at this point.— City of Mentor (@cityofmentor) June 10, 2019 271

Whether on the field or from the sidelines, it’s clear to see rugby is a very special sport. A sport where every athlete runs, rucks, scrums, and mauls. Oh yeah, they also tackle without any pads. “There’s a lot more adrenaline going, and a lot of times, I won’t even realize that I’ve been stepped on,” says rugby player Kaya Troyer. “Which is a little different than other sports.”Now, this sport played around the world is attracting more athletes in the United States. Players like Abigail Tofoya, who traveled from to California to Colorado for a girls rugby camp.“It’s a sisterhood; it’s a bond,” she says. “You develop so many friendships through this.”In 2014, the Sports and Fitness Industry Association reported rugby as the fastest growing team sport in the U.S., with participation growing by 350 percent in a five-year period.“Rugby, it gives me that very competitive edge,” says rugby player Lena Luciano.To gain that competitive edge, players are learning from the best rugby minds the country has to offer. Getting top-level tips from coaches like Jaime Burke, who represented her country while playing for the U.S. Women’s National Team in three Women’s Rugby World Cups.“It’s much different than when I first started out,” she says. “At this point, we have pretty much year-round programming from U8 all the way through U15.”Attracting a bigger audience, however, doesn’t come without concern.“Her daughter wanted my daughter to play and I was like, ‘No way! You’re crazy!’” recalls rugby parent Robin Hartman.Injuries do happen in all sports, including rugby.“The biggest risks we’re seeing is when we look at elite players, collegiate players, and youth players is a risk to the head and neck and then ligament injuries are also pretty common as well,” explains Scott Laker, MD, medical director of the UCHealth Concussion Clinic.Dr. Laker broke down the health risks ranked by sport.“Youth hockey probably has the highest rate of concussions, then probably youth rugby, and then below that is youth soccer,” he says. “The lowest rate is swimming and diving.” Some athletes, however, enjoy contact and say that the excitement of rugby continues to grow among girls across the country one game at a time. 2236

Two children were killed and nine people were injured Monday evening after a man driving a stolen police cruiser crashed at high speed into a SUV and a minivan in Dayton, Ohio, police said.The suspect, Raymond Andrew Walters Jr., was driving 97 mph when he ran a red light and plowed into the two vehicles, Dayton Police Chief Richard Biehl said at a press conference Tuesday.Walters had been on active parole, and police suspect methamphetamine may have played a part in the incident, Biehl said.The incident unfolded when Walters' father was trying to take his son to a hospital for mental health issues, but when the suspect realized where they were going, he began assaulting his father, Biehl said.Suspect stole a police cruiser, police saidThe suspect left his father bleeding from head and face wounds, and took off in his father's Chevy truck, Biehl said.Walters crashed the truck into a tree in nearby Riverside, Dayton police said.When a Riverside officer responding to a 911 call about the accident got out of his police cruiser to check on the driver, the suspect got in and took control of the cruiser from the passenger side, Biehl said.The Riverside officer tased Walters twice, Biehl said, but that didn't stop the suspect from taking off in the cruiser.Running the police lights and sirens, Walters reached a maximum speed of 101 mph, Biehl said. He was not being pursued by police at the time of the accident, the police chief said.The Honda minivan was carrying seven children and one adult, all family members, Biehl said. There were three adults in the SUV, the police said.Another child is badly hurt, police saidAll occupants were taken to local hospitals and at least three of them were in life-threatening condition when they were transported, Lt. Eric Henderson said.Two of the children later died, he said.A third child remains in critical condition, Biehl said.Two Riverside officers sustained minor injuries when the suspect struck their vehicle.The suspect was injured in the crash and is in stable condition in a hospital, Biehl said.The police cruiser broke into several parts when it hit the minivan, Biehl said. Still, "counterforce was necessary to take Walters into custody," according to a police presentation.Walters' criminal history includes aggravated burglary and robbery, possession of drugs, domestic violence and assault, police said. He was released from prison in August. 2430

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