Steve Earley/The Virginian-Pilot
Ruth Sutton stands between piles of damaged home furnishings in front of the home where she lives with her mother, Susan, in the Windsor Woods neighborhood of Virginia Beach on Oct. 15, 2016. A significant number of homes in the neighborhood flooded when the remnants of Hurricane Matthew passed through the region. (Steve Earley/The Virginian-Pilot) 
Don't wait for a storm before securing flood insurance policies for your home and business, the Hampton Roads Planning District Commission's Ben McFarlane writes in a guest column.
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