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Why do so few Vermonters have flood insurance?

Why do so few Vermonters have flood insurance?
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United statesNatalie williams vtdiggerGreg quetelKevin gaffneyJesse gourevitchNed swanbergPeter anthonyRobert desaulniersJeffrey berwickJeremy porterDepartment of financial regulationEnvironmental defense fundStevens branch of the winooski riverIsham berwick agency incNational flood insurance programEmergency management agency