No region of the United States has a monopoly on catastrophes. Our communities are exposed to floods, hurricanes, tornados, earthquakes, droughts and fires. Some of us are more accustomed to seasonal flooding and high winds, and others to drought and fires. We never know precisely when they will arrive, but we know they will surely bring havoc, threaten lives, and cost more than we can afford. History teaches us where these calamities will repeat frequently and if we have any sense we will act on that lesson.

SmarterSafer Coalition, a national and diverse pro-consumer organization, is acting on the lesson. Their study, “Bracing for the Storm,” provides a clear results and policy suggestions from decades of disaster handling …

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