"PEQUANNOCK, N.J. — Time after time, as the river has risen and the water has crept up Roosevelt Street, Leni-anne Shuchter has fled the white clapboard home she bought more than four decades ago.
There was the night in 1984 when rescuers plucked her from a neighbor’s roof as floodwaters engulfed her house. And the months in 2011 when she and her husband, John Van Seters, lived in a hotel after torrential rains from Hurricane Irene forced them to gut walls and floors and replace nearly everything they owned.
In between, other storms have forced her to file claim after claim with the troubled National Flood Insurance Program so she could rebuild. Yet the small home remains as vulnerable as ever, a reality reflected by its falling value in recent years. "