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Between 2011 and 2013, the federal government spent $136 billion on disaster relief in the United States—an average of nearly $400 per household per year. During that time, President Obama declared major disasters in 67 communities in the United States across 48 states, plus Puerto Rico and Washington, D.C. With extreme weather showing no signs of slowing, and rising waters increasing flooding risks around the country, it’s time to change the paradigm of disaster response and recovery.