Way above the Rum River in Isanti sits a house.  To keep it, owner Mike Longbehn was forced to buy flood insurance.

“Not only am I 300 feet from the water, I’m 40 feet above the water,” said Longbehn.  He’s lived there ten years with no word of flood insurance, until one day when he opened his mail.  “I got a letter from my mortgage company saying that I had to have

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