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TAMPA, FL - SEPTEMBER 10: Military equipment sits in the parking lot at Raymond James stadium ahead of Hurricane Irma on September 10, 2017 in Tampa, Florida. Hurricane Irma made landfall in the Florida Keys as a Category 4 storm on Sunday, lashing the state with 130 mph winds as it moves up the coast. (Photo by Brian Blanco/Getty Images)

The hurricanes are adding to the debt of the National Flood Insurance Program. $14 billion in flood insurance claims means higher premiums are on the way. Seasonal residents could see premiums jump as much as 25%, but if you live in your home year round, the good news is your rates can’t go up by more than 15%.

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