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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

UPDATE SEPT. 8: Residents in the area have been dropping off flowers in honor of the victims. They are also expressing concern over planes flying to and from the busy Henderson Executive Airport. 208

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

When Ryan Collins rang the bell at Lurie Children's Hospital in Chicago, the 11-year-old had a gift for the place that helped in his battle against cancer: a check for ,300.Ryan was diagnosed with a brain tumor last August, according to the children's hospital, and he wrapped up his chemotherapy treatment Wednesday."Ring this bell three times loud. It is totally clear to say, my treatment is done, this course is won and I'm on my way," the 11-year-old excitedly announced.Ryan finished his radiation treatment almost exactly one year after he was initially rushed to the hospital, plagued by unexplained vomiting and headaches, 646

White House efforts to limit access to President Donald Trump's conversations with foreign leaders extended to phone calls with Saudi Crown Prince Mohammed bin Salman and Russian leader Vladimir Putin, according to people familiar with the matter.Those calls -- both with leaders who maintain controversial relationships with Trump -- were among the presidential conversations that aides took remarkable steps to keep from becoming public.In the case of Trump's call with Prince Mohammed, officials who ordinarily would have been given access to a rough transcript of the conversation never saw one, according to one of the sources. Instead, a transcript was never circulated at all, which the source said was highly unusual, particularly after a high-profile conversation.The call - which the person said contained no especially sensitive national security secrets -- came as the White House was confronting the murder of journalist Jamal Khashoggi, which US intelligence assessments said came at the hand of the Saudi government.With Putin, access to the transcript of at least one of Trump's conversations was also tightly restricted, according to a former Trump administration official.It's not clear if aides took the additional step of placing the Saudi Arabia and Russia phone calls in the same 1314

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