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A friend was contacted by his insurance company and told his premium was inadequate to cover for flood damage, because he lives by the Noyo River. He contacted them and said, "Yeah, I live next to the river alright, 200 feet above it!"

Recently a lot of insurance companies pulled their policies out from under the homeowners that live in the Russian River flood plains. I'm usually not one to go to bat for the insurance companies, but it floods every year in Gurneville and it's about time people take a little responsibility for...

And you know every homeowner's insurance rates will go up to pay for the rebuilding of those match boxes.