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Millions who need flood insurance the most dont have it as flawed federal program raises pricesWASHINGTON (AP) — In eastern Kentucky, Libby Honeycutt listened upstairs to the sound of glass breaking below as floodwaters tore apart her house. Twenty-six miles to the south, Ronald Conley rescued his dogs from his elevated house with a pontoon boat. Jennifer Campbell heard the screams from across the river of a neighbor desperate for rescue.