Daelé Guerra keeps a stack of bricks in her first-floor apartment in Hialeah, Fla. It's the only protection she can afford against the floodwaters that have ruined all of her belongings three times this year alone. When the water comes, she uses them to prop up her furniture. This spring, Guerra, a 53-year-old supervisor at a medical center, had to room with a relative for nearly three months while her landlord renovated the ruined one-story building. Since then, the apartment has flooded twice more. "As soon as it starts to rain I almost can't work or think straight, because I'm already braci...
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