Telephone repairman Josh Smith lives in Jasper, which is Florida’s most inland city, according to the state’s Geological Survey.

Even 75 miles from the Atlantic Ocean, Smith is bearing part of the cost of rising seas and stronger storms caused by global warming. That’s because U.S. taxpayers help insure against hurricane damage for nearly 5 million Americans, mostly in Florida, whose homes are less than four feet above normal high tides. The programs pit beachfront property owners against inland residents who subsidize their policies.

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