Small rural and suburban communities – some with few structures taller than a good-sized maple tree – might be unlikely targets for terrorists, but many of them are protecting their police stations and water towers with terrorism insurance, reports USA Today. The extra coverage is relatively inexpensive – for a small village it can amount to less than $100 a year – and in many cases it’s a standard feature of government insurance pools. But some question whether it is necessary.
In April, leaders of West Baraboo, a Wisconsin village of 1,200, debated whether to purchase terrorism coverage. “If terrorists got this far into the country, there wouldn’t be anyone to make the claim anyway,” said village clerk Mary Klingenmeyer. But the village board voted 5-2 to pay $87 annually for the coverage. James Hamilton of the National League of Cities Risk Information Sharing Consortium, said terrorism coverage is a common feature among the league’s 34 affiliated state insurance pool programs, which cover nearly 16,000 towns, cities and schools. The town of Plainfield, Ind., population about 24,000, decided that its proximity to a major highway, an airport and a rail system made coverage worth the extra $1,700 a year.