USA Today: One block from the beach on the narrow Willoughby Spit, Bob Parsons was watching the weather news on TV in November 2009 when brackish water suddenly oozed up through the floors of his home and poured in from the front and back doors.
He and his wife, Carole, lugged filing cabinets and a restored wingback chair upstairs but didn’t have time to move the car, parked on the street-turned-waterway, The car was totaled, and the house needed thousands of dollars’ worth of repairs. Since that storm,…

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