31.   Locally, some homeowners taking advantage of low rates to refinance mortgages are being told by lenders that they will now have to buy flood insurance.

32.   Many therefore had no flood insurance.

33.   Most of those had no flood insurance, and routine federal aid is limited.

34.   Most people did not have flood insurance.

35.   Most proprietors of those resorts say they will reopen with money from their flood insurance, as well as FEMA funds and business loans.

36.   None have flood insurance because neither the colonias or Webb County participate in the national flood insurance program run by the Federal Emergency Management Agency.

37.   No longer will you be able to buy flood insurance for a year and then drop it.

38.   Only residents of participating communities can buy government flood insurance, however.

39.   Private companies usually do not offer flood insurance.

40.   People living in Martinez, Guerneville, Napa, Oakland and Richmond are among those eligible to purchase flood insurance, she said.