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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. – The Department of Transportation (DOT) is suspending all public charter flights between the U.S. and Cuba other than to Havana’s José Martí International Airport (HAV). Secretary of State Mike Pompeo 231

When former Minneapolis police officer Derek Chauvin was arrested on Friday on third-degree murder charges, more details emerged on how George Floyd died while in police custody on Monday. According to a report prepared by prosecutors in Hennepin County, Minnesota, Chauvin knelt on Floyd’s neck for eight minutes, 46 seconds. For the final two minutes and 53 seconds, prosecutors said, Floyd was unresponsive. Police body cams showed that at 8:24:24, Floyd stopped moving. At 8:25:31, video showed that Floyd stopped talking and breathing. It was not until 8:27:24 when video showed that Chauvin removed his knee from Floyd’s neck, prosecutors said. The prosecution’s report said that “police are trained that this type of restraint with a subject in a prone position is inherently dangerous.”After Chauvin lifted his knee, Floyd was placed on a gurney and taken to the hospital, where he pronounced dead. The county medical examiner reported to prosecutors that several factors likely contributed to Floyd’s death. “The autopsy revealed no physical findings that support a diagnosis of traumatic asphyxia or strangulation,” the report read. "Mr. Floyd had underlying health conditions including coronary artery disease and hypertensive heart disease. The combined effects of Mr. Floyd being restrained by the police, his underlying health conditions and any potential intoxicants in his system likely contributed to his death.”To read the full arrest report, click 1479

Warmer weather means tick season across the U.S., and a number of tick-borne disease cases has increased over the past few years.“Lyme disease is gonna be the most common disease we see,” said Nicole Chinnici, laboratory director of the Dr. Jane Huffman Wildlife Genetics Institute. Chinnici is part of the Pennsylvania Tick Research Lab.“Tick season generally starts in the spring. It’s as we're coming out of winter and getting into the warmer months,” explained Dr. Mark Montano, the medical director of CareNow Urgent Cares in Colorado.The CDC said disease cases from mosquito, tick, and flea bites more than tripled from 2004 to 2016 in the U.S.. They predict the number of infections in any given season is complicated, but to put it in perspective, the number of tick-borne disease cases increased from 48,610 reported cases in 2016 to 59,349 reported cases in 2017. “There’s a lot of factors in it,” Chinnici said. She said reasons could include how mild the winter was, how long the warmer months are, and even animal hunting and population control. Another factor is how much time people spend outside.“People are free right now. They're working from home, so they are spending more time outdoors, so that's putting them at a greater risk just because of everything else going on with COVID-19,” Chinnici said.The tick research lab is one of only a few in the U.S. “We receive ticks from people, physicians, and then we test them in the lab using molecular techniques, and then we report the results back to the customer within 72 hours,” she explained.All you have to do is send it in. For Pennsylvania residents, it’s free. For cases in other parts of the U.S., there is a fee that comes with the lab test.“We’re providing the individual that was exposed to the tick bite with early detection of whether or not they've been exposed to a tick-borne disease,” Chinnici said.A quick look at their 1918

UPDATE FEB. 11:32 A.M.: The Clark County School District says all school-related activities scheduled to occur 4 p.m. or later are canceled. This includes all evening education classes, athletics, and other school-sponsored events. CCSD cites "potential for freezing conditions on the roads" as the reason for the cancellations and says it "continues to work with the National Weather Service and the Clark County Emergency Manager to monitor the inclement weather."UPDATE FEB. 11:25 A.M.: Over 100 arriving flights are showing canceled at McCarran International Airport. View flight arrivals 607

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