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When the Federal Emergency Management Agency first issued a flood map for the city of San Mateo the reaction was anger at this expensive insurance mandate. There had not been a major flood in the past 100 years and little expectation that there would be one in the next 100. That was then. Now, with temperatures and sea levels rising, a major flood in the future is possible. Since the map was issued, residents in the flood plain have been paying flood insurance of about $500 to $1,000 a year. That will go up to at least $1,400 annually next year unless the city improves the south Bayfront levee. The problem: The city does not have the $14 million for the fix. A self-assessment tax is necessary on properties in the flood plain to pay for the levee repairs. Ballots have already been mailed. They must be returned by June 15. A majority vote is required for passage. A group of citizens representing the impacted neighborhoods has organized into FACT (Flood Awareness Correction Team) to urge a "yes” vote.

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