The idea that the world is becoming a better place, and there are less and less needs in terms of humanitarian aid, is over.”

However, questions persist due to their location adjacent to interstate highways and within FEMA high flood risk zones.

“I was thinking when he makes it, he would take care of me and my daughters. But no, he is gone painfully.”

I had just opened an envelope containing the 2016 renewal notice for our flood insurance. The premium was over $4,000.