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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

Two members of the New York Police Department died by suicide within the course of 24 hours, Commissioner James O'Neill said Thursday.In a note to members of the department, he encouraged individuals to seek help, if needed.The NYPD 245

WASHINGTON — Comedians are making their return to the White House Correspondents’ Dinner after last year's hiatus. Kenan Thompson, the actor and longest-tenured “Saturday Night Live” cast member, will host this year’s dinner, which takes place April 25. Hasan Minhaj, the Peabody award-winning host of Netflix’s “Patriot Act with Hasan Minhaj,” will return to the dinner as a featured entertainer.“Kenan and Hasan are two of the most engaged and engaging entertainers in America. I’m thrilled they’ll help us celebrate the role of a free press in our democracy,” said Jonathan Karl, Chief White House Correspondent for ABC News and president of the White House Correspondents’ Association. “We’re looking forward to a lively evening honoring the most important political journalism of the past year.” The WHCA will be presenting two new awards at the 2020 dinner: The Katharine Graham Award for Courage and Accountability and the Award for Excellence in Presidential News Coverage by Visual Journalists. Those new awards are in addition to the longstanding Aldo Beckman Award for Overall Excellence in White House Coverage and Merriman Smith Award for Excellence in Presidential News Coverage Under Deadline Pressure.WHCA says the dinner is non-partisan event that supports the organization's work to protect the role of independent news media coverage of the president. Proceeds from the event fund the WHCA’s operating expenses and go toward scholarships and awards aimed at promoting aspiring journalists and recognizing excellence in the journalism profession.President Donald Trump has skipped the dinner throughout his presidency and instead has elected to hold campaign rallies. The White House did not immediately respond to a request for comment about whether the president would attend this year. 1818

VATICAN CITY — Pope Francis says he has ‘’witnessed with great concern the disturbing social unrest’’ in the United States in reaction to the killing of George Floyd and called for national reconciliation."My friends, we cannot tolerate or turn a blind eye to racism and exclusion in any form and yet claim to defend the sacredness of every human life,’’ the pope said during his weekly Wednesday audience, held in the presence of bishops due to coronavirus restrictions on gatherings.At the same time, the pontiff warned "nothing is gained by violence and so much is lost.’’Francis said he was praying "for the repose of George Floyd and all those who have lost their lives as a result of the sin of racism’’ and issued his condolences for all those who grieve their loss. He called for national reconciliation and peace.We cannot tolerate or turn a blind eye to racism and exclusion in any form. At the same time, we have to recognize that violence is self-destructive and self-defeating. Nothing is gained by violence and so much is lost. Let us pray for reconciliation and peace.— Pope Francis (@Pontifex) 1122

WASHINGTON — President Donald Trump says he will postpone a meeting of Group of 7 nations until fall. He's also calling for an expansion of the group’s membership because he considers the current members an outdated group that doesn’t properly represent what’s taking place in the world. The summit was scheduled to take place between June 10 and June 12 at the president's Camp David retreat in Maryland.The G7 members are Canada, France, Germany, Italy, Japan, the United Kingdom and the United States. Trump is singling out Russia, Australia, South Korea and India as possible additions. The leaders of the world’s major economies had been slated to meet in the U.S. this year, but that gathering has been hobbled by the coronavirus outbreak. 757