Even though the waters of Raritan Bay are kept in place by a seawall at the end of my street, the storm surge was higher than the wall - there were water stains on my interior walls at shoulder height on me, and I'm 5'3". When we moved here, I didn't even think about how close we were to the water's edge; I grew up on Long Island, and we always had one fairly intense hurricane every year. But in order to get a FEMA loan to help recovery, we had to get renters insurance that includes flood insurance. And our landlord's insurance got us new kitchen appliances (and new floor tiles and lower cabinets) - and the landlord's mother (a woman close to my age) helped him pick out what she though I would like. She got it right - she remembered how fond I am of stainless steel, and all the appliances have stainless steel fronts, which makes it hard to keep my fridge magnets from falling off.
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