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Some homeowners in Beaufort County might pay 25 percent more to insure their homes this year, now that new national flood insurance policies have taken effect.

Under the Flood Insurance Reform Act of 2012, flood insurance premiums will no longer be subsidized for second homes built in high-risk flood zones. The law applies to homes in South Carolina built before Sept. 30, 1977, or those built to standards that are now outdated, according to the Federal Emergency Management Agency.

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