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ADVANCE FOR USE MONDAY, MARCH 24, 2014 AT 3 A.M. AND THEREAFTER - FILE - This Oct. 30, 2012 aerial photo provided by the U.S. Coast Guard shows storm damage from Superstorm Sandy in a portion of New Haven, Conn. In 2012, Congress passed a law requiring approximately 1.1 million policyholders nationwide to start paying rates based on the true risk of flooding. Nearly 4,200 policyholders in Connecticut face increases of up to 25 percent each year. More than 14,000 property owners in the state will be hit with annual premium increases as high as 18 percent annually, until the policyholder switches to a risk-based rate. (AP Photo/U.S. Coast Guard, Petty Officer 2nd Class Rob Simpson, File)

ADVANCE FOR USE MONDAY, MARCH 24, 2014 AT 3 A.M. AND THEREAFTER - FILE - This Oct. 30, 2012 aerial photo provided by the U.S. Coast Guard shows storm damage from Superstorm Sandy in a portion of New Haven, Conn. In 2012, Congress passed a law requiring approximately 1.1 million policyholders nationwide to start paying rates based on the true risk of flooding. Nearly 4,200 policyholders in Connecticut face increases of up to 25 percent each year. More than 14,000 property owners in the state will be hit with annual premium increases as high as 18 percent annually, until the policyholder switches to a risk-based rate. (AP Photo/U.S. Coast Guard, Petty Officer 2nd Class Rob Simpson, File)

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