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Noah Caldwell

When Hurricane Michael struck the Panhandle of Florida last October, Keith and Susan Koppelman were huddled in the bathroom of their small, two-bedroom rental trailer just north of Panama City.

"When the winds came we both started praying," says Keith, 49. "I thought, 'Oh my God, this is a big storm.' "

After four hours, they finally emerged to survey the damage. The storm's 160-mile-per-hour winds had torn off the porch and peeled away the trailer's tin siding.