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    “Family and very dear friends will say, ‘What are you doing here? Why are you still here? Especially if you know what’s coming. What’s wrong with you?’ ” says Gayle Killen, whose house on Main Street was built in the 1800s and has flooded repeatedly.

    “I tell them this place is worth sticking around and working for. If I do nothing else with my life, I will at least occupy a space and improve it.”

Here's the real question - would she still live there without publicly-funded flood insurance?