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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 last decade was the warmest on record, according to independent analyses by NASA and the National Oceanic and Atmospheric Administration (NOAA).NASA 184
udy Hetkowski has been breeding dogs for 24 years."My dogs are Vizslas. They're from Hungary originally," she says of her dogs. "They were the dogs of the aristocrats, and they were bred as a versatile hunting dogs."Just like most furry friends, her dogs are loving and energetic. They're also healthy, which may come as a shock to some, considering her vaccination practice goes against popular opinion."I do limited vaccinations," Hetkowski says.Hetkowski isn't completely anti-vaccination. But Dr. Shelley Brown at Harmony Veterinary Center says there is a growing number of people not wanting to vaccinate their pets at all."Some people are very much against vaccinations, think all vaccinations are bad," Dr. Brown says. "And then you have the other side of the coin, where people want to vaccinate for every kind of disease their pet can possibly get." The 875
Walmart wants the world to know you can make a really nice living working in its stores.The company has about 4,700 store managers in the United States and they earn an average of 5,000 a year, Walmart said in social governance 243
Two rural town school districts in the United States were shut down early for the Thanksgiving holiday weekend due to a fast-spreading stomach virus causing an abnormally high number of absences.Mesa County Valley School District officials in Grand Junction, Colorado, closed the school district to decontaminate November 20, the Wednesday before the week of Thanksgiving. A high number of students were increasingly calling out sick due to an illness going around. “Before the school district shut down, we were aware of at least 13 schools within (Mesa County Valley) School District 51 that had increased absenteeism levels due to illness and that number was growing,” district officials said on a Facebook live video, addressing the problem. “What we’re suspecting at this time is it’s very much acting like a norovirus.”On November 25, Greater Albany Public Schools in Albany, Oregon, announced a district-wide closure for similar reasons — norovirus was going around causing high levels of absences.“It spreads really like wildfire through a community,” said Dr. Chris Nyquist, the medical director of infection prevention and control at Children’s Hospital Colorado. “I think norovirus is one of those viruses that comes up in wintertime often when you have small communities, thinking about schools, where a lot of kids are together. It’s very contagious, spreads quickly.”Norovirus symptoms include vomiting, diarrhea and nausea that can last days.“The best method that these schools have done, in conjunction with talking to their health department, is to really shut down and do extensive cleaning,” Nyquist said.Norovirus can transfer easily through close contact, and symptoms start as soon as two hours later. In small communities like Grand Junction or Albany, an outbreak like this can have a large impact.“The thing that’s really special and unique about rural Colorado is that schools are often time the hub of the community,” said Elaine Belansky, the executive director for the Center for Rural Health and Education at the University of Denver. “They don’t have that many boots on the ground to address big challenges like this.”But those communities are doing what they can to stop illness from spreading just as the holidays begin. Mesa County Valley School District posted a video of the decontamination process in one of their classrooms to Facebook to show the efforts being done.As for prevention, Nyquist said the best thing to do is to wash your hands with soap and water. 2512