First there were the snowstorms this winter—dumping up to three feet of snow on areas that weren't prepared for such amounts. Meanwhile, Florida had a long run of freezing temperatures, ruining some of its citrus and strawberry crops.

Then there was rain. For days, torrents of rain drowned the East coast. Thousands of people were without power as soggy tree roots, loosened by soft, muddy soil toppled onto power lines, homes and cars. What a mess.

If there was ever a time for solid contingency plans, it is now. An earthquake, tornado or hurricane generally come to mind with disaster planning, but sometimes it's the unexpected flood, snow storm or prolonged winds that can bring down a business or municipality.

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