SOURCES: www.floodsmart.gov, www.fema.gov, www.cdc.gov, www.sadd.org; www.iihs.org; www.caranddriver.com; www.harrisinteractive.com; www.nophonezone.org
*Dog bites accounted for more than one-third of homeowners insurance liability claims paid in 2011, costing nearly $479 million in the U.S., according to the Insurance Information Institute;American Veterinary Assoc. www.avma.org
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