By Gill Wong As we step into the New Year, leaving behind the whirlwind of joyous holiday soirées, it’s the perfect moment to embrace a return to natural wellness. We’re choosing to nurture our bodies, giving them a much-needed respite. This time, our focus shifts to the healing embrace of tea, a beverage that’s more than just a drink - it’s a journey into wellness and history. We’re particularly enchanted by the origins of tea in China, where ancient lore weaves with tradition, offering a sip of tranquility and a legacy of health. Let’s explore how this simple leaf has captured hearts and healed bodies through centuries, embodying the essence of natural healing and holistic well-being. The Discovery of Tea by Emperor Shen Nong In the annals of tea’s rich history, a story from ancient China over 4,000 years ago stands prominent, featuring the legendary Emperor Shen Nong, a figure celebrated for his advancements in agriculture and medicine. The lore tells of Shen Nong, sitting under a wild tea tree, engaging in his habitual practice of purifying water by boiling. On a fateful day, as he rested, a breeze whisked leaves from the overhead Camellia sinensis tree into his pot. The resulting infusion, with its inviting aroma, piqued Shen Nong’s curiosity. Upon tasting it, he found the brew refreshing and revitalizing, marking the serendipitous discovery of tea. Shen Nong’s contributions extend beyond this fortuitous event. He is also recognized for his pioneering work in identifying the healing properties of plants and herbs, integral to traditional Chinese medicine. The discovery of tea and its energizing qualities is often viewed as a crucial part of his broader contributions to herbal healing and wellness. This narrative, while widely regarded as a legend, underscores the historical and cultural significance of tea in Chinese history, blending the discovery of tea with the themes of natural wellness and ancient wisdom. The Spread of Tea Culture Tea was revered as a medicinal elixir in its humble beginnings, gradually blossoming into a favored recreational beverage. Its journey is intertwined with the mindful practices of Buddhist monks, who cherished tea for its unique ability to kindle a state of serene alertness. These ancient practitioners harnessed the gentle power of tea to enhance their meditation, finding in its leaves a natural ally for mindfulness and spiritual clarity. In the heart of Japan, the tea ceremony - Chanoyu or Sado - evolved into a soulful ritual, transcending the mere act of brewing tea. This ceremonial practice became a celebration of life’s fleeting beauty, an art form that honors balance, harmony, and the preciousness of the present moment. It’s a ritual that invites us to pause, breathe, and connect with the deeper aspects of our being. Across the sea in China, tea’s significance blossomed in royal courts. Here, the finest teas were cultivated as offerings to the emperor, symbols of respect and reverence. This tradition not only elevated tea to an art form but also led to innovative cultivation and processing techniques, forever changing the landscape of tea culture. Quality & Flavor Leaf size and quality play a crucial role in the flavor profile of tea. Loose leaf tea, generally made from whole or large pieces of leaves, preserves the tea’s natural flavor and essential oils. This typically results in a more nuanced, complex, and richer flavor profile, as the larger leaves retain more of their original characteristics. In contrast, tea bags often contain smaller pieces of leaves, known as “fannings” and “dust.” These smaller particles tend to release tannins more quickly, which can lead to a more astringent or bitter taste. Consequently, the flavor of tea from tea bags is usually more straightforward and less nuanced compared to loose-leaf tea. Regarding freshness, loose-leaf tea maintains its freshness longer because it is less processed and has a larger surface area, beneficial for retaining its natural oils and aroma. On the other hand, the smaller size of tea particles in tea bags can result in a faster loss of flavor and aroma over time. This difference in freshness is another factor contributing to the distinct taste experiences between loose-leaf tea and tea from tea bags. From an environmental standpoint, loose-leaf tea produces less waste as it doesn’t require individual packaging, and used leaves can be composted. Conversely, some tea bags are made with or contain plastics, which aren’t biodegradable and not great for the palette. Loose-leaf tea demands more effort and time, including steeping and cleaning up, but relaxing and preparing your tea can add to the experience, making it calming and enjoyable. Finally, regarding cost, loose-leaf tea might be more expensive initially but can be more economical over time, as the leaves can often be steeped multiple times. Tea bags are generally cheaper per serving but are typically used only once. Tea enthusiasts often prefer loose-leaf tea for its superior quality, flavor complexity, and brewing ritual. The best way to find your preferred tea is to try different types and brands. Specialty tea shops or online retailers focusing on high-quality teas can offer a range of options to explore. We have a couple of tea shops in Flagstaff you can visit. Old Barrel Tea Company Flagstaff 21 N San Francisco St, Flagstaff Steep Leaf Lounge 1 E Aspen Ave, Flagstaff When looking for the best tea, consider these factors: Origin: Different regions produce teas with distinct flavors. Harvest Time: The first flush (early harvest) usually yields the highest quality. Processing: Handpicked and minimally processed teas are often of higher quality. Organic Certification: Some prefer organic teas for their natural cultivation methods. Discover the Health Benefits of Green Tea Green tea, originating in China and widely consumed throughout Asia, has been appreciated for its taste and health benefits for centuries. It’s known for its antioxidants, particularly catechins, which have been studied for their potential to reduce the risk of heart disease and cancer. Green tea is also associated with lower cholesterol levels, improved brain function, and a boost in metabolism. Determining the “best” green tea can be subjective, as it depends on individual taste preferences and what qualities you value most in tea. However, there are several high-quality green teas that are renowned for their exceptional flavor, aroma, and health benefits. Here are a few types of premium green teas that are often highly regarded: Matcha: A famous Japanese green tea, matcha is a finely ground powder made from specially grown and processed green tea leaves. It’s known for its vibrant green color, rich umami flavor, and high antioxidant content. Ceremonial-grade matcha is considered the highest quality. Dragon Well (Longjing): A celebrated Chinese green tea, Dragon Well is known for its gentle, sweet flavor, and its flat, spear-like tea leaves. It is often considered the epitome of Chinese green tea and is highly prized. Gyokuro: Another premium Japanese green tea, Gyokuro is shaded for about three weeks before harvesting to boost its chlorophyll content. This results in a sweeter flavor and a bright green infusion. Sencha: The most popular tea in Japan, Sencha varies widely in quality, but the best grades offer a delicate balance of sweetness, bitterness, and umami, with a bright, grassy aroma. Silver Needle (Bai Hao Yin Zhen): While technically a white tea, it’s often appreciated by green tea lovers for its delicate and slightly sweet flavor. It consists of only the top unopened buds of the tea plant. As we conclude our exploration of tea, from its deep-rooted beginnings to its present-day charm, we hope you feel encouraged to enjoy the diverse world of teas. This journey has taken us through tea’s rich history and its multitude of health benefits, reminding us that each cup is not just a drink, but a connection to a legacy of well-being and a reflection of nature’s simplicity. Here’s to a happy and healthy New Year, where each sip of tea brings you closer to a state of wellness and every moment is as cherished as the delicate flavors of the finest tea leaves—cheers to new beginnings and the ongoing journey of discovery, one cup at a time.

By Christopher Tressler, Director Coconino County Public Works Willard Springs Opens Friday, April 5 The Willard Springs Green Waste Station will reopen for the 2024 summer season on Friday, April 5, 2024. It will then be open Fridays and Saturdays from 9:00 a.m. - 5:00 p.m. until Saturday, October 26, 2024, when it will close for the 2024 - 2025 winter season. The station will again offer free green waste-only disposal. Please note that the station does not accept bulk or household waste. Spring Green Waste Cleanup Events Spring is on the way, and that means it’s almost time for everyone to start cleaning up pine needles, branches, and other green waste from around their properties before the 2024 wildfire season arrives. This year there are again several events to help residents get their properties ready for fire season: Bear Jaw Cleanup: Monday, April 29 This spring, Bear Jaw Interagency Fires & Fuels will once again help residents create defensible spaces around their properties by providing free pickup and disposal of branches, logs, small trees, leaves and pine needles. If you clear woody vegetation from around your home and stack it in a slash pile, then Bear Jaw will chip it and haul it away at no cost. Bear Jaw also will accept up to fifteen (15) clear bags of green waste (pine needles and leaves) per property. Public Works will be accepting all this woody vegetation from Bear Jaw for free at the Willard Springs Green Waste Station. Only clear plastic bags of green waste will be accepted during the Bear Jaw Cleanup! Clear bags will be provided free of charge at the Pinewood Fire Station in early April. IMPORTANT: Please have all green waste items out along the roadside by 7:30 a.m. on Monday, April 29! Please note that certain conditions apply for this cleanup. If you’d like to learn more about the Bear Jaw Cleanup, click here. If you have questions, then please contact Robert Ortiz with Bear Jaw Interagency Fire & Fuels at (928) 525-1717 or rortiz@highlandfire.org. Community Cleanup Days Cleanup Days are back this spring. The bulk waste voucher and informational flier for the 2024 Community Cleanup Days will go out to property owners in early May. As always, bulk waste vouchers are only good for depositing bulk waste at the City of Flagstaff Cinder Lake Landfill during Community Cleanup Days, which this year will run during the following dates and times: Flagstaff Cinder Lake Landfill 6770 East Landfill Road • Flagstaff, AZ Friday, May 31 - Saturday, June 8 Monday - Friday: 7 a.m. - 4:15 p.m. Saturday: 7 a.m. - 3:30 p.m. Sunday: Closed Even though green waste disposal will once again be free throughout the season at the Willard Springs Green Waste Station, Community Cleanup Days serve as an important reminder that spring is the optimal time of year for full- and part-time Munds Park residents to clean up their properties and prepare for wildfire season. We’ll also be publishing more information about the 2024 Community Cleanup Days in upcoming editions of The Pinewood News, and fliers for the event are available at here.

In mountain country, transitioning your cabin from the chilly embrace of winter to the fresh bloom of spring involves critical chores beyond the simple dusting off of outdoor furniture and prepping for BBQs and gatherings. If only it were that easy! Preparing for spring in the Park means thoroughly checking our cabins for winter damage and readying our homes for the unpredictable weather ahead. Yes, even in spring, we must be vigilant about snow. Our spring and summer are fleeting, and once the monsoon season sets in, completing any exterior maintenance becomes a challenge. But there’s more to it than just weather-proofing. It’s also about protecting your land against possible wildfires. Veterans of Munds Park are well-versed in the necessary precautions, but for newcomers, understanding how to safeguard your property during wildfire season is crucial for your family’s and the community’s safety. Check out these helpful tips: Check the Roof Your roof takes a heavy beating during the winter, and if you ignore maintenance and inspection after winter storms pound your roof, you run the risk of structural and interior home damage. Look for Damaged Shingles Damaged and loose shingles can expose your cabin to roof leaks and water damage. If shingles are broken, water will seep underneath and eventually enter your home. Also, if any shingles are loose, strong winter winds can blow them away. Repair Damaged Flashing Roof flashing is sometimes overlooked but vital to a well-maintained roof. Roof flashing protects your home from water damage by diverting water from certain areas of the roof. Replace Old Caulking During the winter, caulking can become less elastic, separate, or crack. New caulking will expand and contract with the cold and warm weather, keeping critical junctures in your roof watertight and dry. Checking the sealant around vent pipes, chimneys, and counter-flashing is essential. Trim Trees Trimming trees around your roof is a must-do task to avoid roof damage as storms come thundering through. Overhanging branches can break off during a big storm and damage your roof. Hiring a professional trained to do these tasks is best—Especially considering the height of most cabins in the Park and the rocky terrain. Clean Rain Gutters Chances are, after winter storms, your gutters are full. That’s bad news for your cabin. When downspouts are clogged, rainwater can spill out of your gutters and around the perimeter of your house, putting it at risk for leaks and flooding. Prepare for spring showers by removing debris from your gutters and ensuring water flows freely. Service HVAC The start of spring is an ideal time to have your home’s heating, ventilation, and cooling systems inspected and serviced by a professional. Regular maintenance not only enhances efficiency and saves money but also improves air quality. Most importantly, it helps avoid breakdowns during winter. Remember, planning maintenance ahead of winter ensures you’ll stay warm, as demand is high during those months, and delays in service could leave you in the cold! Check Vents As the snow melts away from your home’s foundation, checking any vents along the foundation or in the attic is crucial. Look out for missing or damaged screens, debris accumulation, signs of insect or rodent infestation, or any other potential issues. Take a Walk Around Your Cabin As you walk around your cabin, inspect for damage or wear caused by ice, snow, or low temperatures. Check your foundation for cracks or gaps, and seal windows or doors if necessary. Similarly, examine your deck for loose or damaged boards and seal any cracks in your walkway or driveway. Check Your Plumbing Inspect both the interior and exterior of your pipes for cracks or damage resulting from winter conditions. Additionally, be vigilant for any signs of leaks, wet spots, or water damage that may have occurred. Landscaping & Pine Needle Clean Up A hot ember from a nearby campfire, fire-pit, or wildfire can travel 5-20 miles and still retain enough heat to ignite a fire upon landing. Therefore, it’s crucial for all Mundsies to do their part and ensure their property is firewise ready. Preparing Your Cabin for Wildfire Season Remove pine needles and other green waste from gutters. Remove leaf/pine needles within at least 10 feet of your cabin. Cut down or thin trees to create defensible space on your property. Remove tall, dry grass from the property surrounding your home. Trim branches that overhang your cabin, porch, and deck, and prune branches of large trees to be 6 to 10 feet from the ground. Regularly prune excess growth from your bushes and shrubs. Find all the help you need right here to get your spring chores started off with ease! Cleaning Services Flooring & Window Coverings Handy Help HVAC Services Junk & Green Waste Removal Landscaping Services Painting Professionals Plumbing Services Renovations Roofing Solutions Tree Care Support the businesses behind the pages—when you back our advertisers, you keep the ink flowing and your favorite stories coming!

By Vinita Dee On a street lined with whispers of love and echoes of magic, there’s a story that dances through time, a melody of love’s mysterious alchemy. It’s a tune that lingers in our memories, a song of a potion crafted in the hidden corners of lore. Down at Madame Rue’s, where dreams weave into reality, a legendary brew was born: a potion known only as Number Nine. Madame Rue, with her gypsy charm and a smile that sparkled with a gold-capped jewel, dwelled in a quaint pad on Thirty-Fourth and Vine. Madame Rue’s was the go-to for every Romeo and Juliet who couldn’t get their act together since the days of ‘56. “Love’s a battlefield, darling,” she’d say, stirring a concoction that smelled like rebellion and tasted like a risk. One sip? You’d forget if it was daylight or moonshine lighting up your misadventures. You’d be out there, kissing life in the fast lane, spinning on a dime, until, whoops – that one time you smooched a cop and your potion bottle shattered, spilling your heart out right there on the pavement. You’re not in Madame Rue’s mystical kitchen, but hey, who says we can’t stir up a little trouble for Valentine’s Day with Love Potion #9 Cocktail – a modern twist on an old classic, with enough sass to make Cupid blush. Grab your blender, and let’s cause a stir. Start with strawberries, as scandalously red as a lover’s lips, and ice, cold as your ex’s heart. Toss in a scoop of vanilla ice cream – because, sweetheart, you deserve some sweetness in your life. Now, the vodka: clear as your intentions or flavored like your wildest fantasies. Add a dash of white crème de cacao, because what’s a love potion without a little mystery? Blend it up, pour it out, and garnish with a strawberry, because let’s face it, you’re classy like that. It’s pink, it’s potent, and it’s got a kick that says, “I’m here for a good time, not a long time.” Share it with someone special, or heck, savor it solo because self-love is the real MVP. So, here’s to Love Potion Number Nine, the drink that’s a wink to the past and a toast to the now. Whether you’re kissing strangers or toasting to forever, remember: love’s a cocktail – sometimes sweet, sometimes bitter, but always worth the hangover. Cheers, darlings. Let the love (and liquor) flow. Ingredients 1/2 cup ice 1/2 cup fresh or frozen strawberries 1 scoop vanilla ice cream 1 ounce vodka (unflavored, strawberry, or vanilla) 1/2 ounce white crème de cacao liqueur Strawberry, for garnish Directions Gather the ingredients. In a blender, add the ice, strawberries, vanilla ice cream, vodka, and crème de cacao. Blend until smooth. Pour into a chilled margarita glass. Garnish with a strawberry. Serve and enjoy.

By John Carr, Engineering Supervisor Coconino County Community Development On January 23, 2024, the Federal Emergency Management Agency (FEMA) is expected to publish a second notice announcing the start of the 90-day public appeal period for the Munds Park preliminary flood maps. The flood maps, known as Flood Insurance Rate Maps (FIRMs), show the extent to which areas recently re-mapped in the Munds Park area are at risk of flooding. These flood maps update 30-year-old studies and help determine flood insurance and building requirements. Citizens can view the preliminary maps here. FEMA developed the preliminary flood maps in partnership with Coconino County. The process included an extensive, multi-year review of the changes brought about by environmental, land use, and other forces. It used the best available science, including state-of-the-art aerial mapping, flood risk modeling techniques, and a comprehensive pre-release technical review. Coconino County presented a virtual open house (a recording is available here) on September 13, 2023 to allow the public to review and discuss the preliminary flood maps. The County hosted an in-person flood risk open house on September 18, 2023. The updated FIRMs are still preliminary and have not been officially adopted and are not yet effective. This 90-day public appeal period allows property owners to formally submit appeals - which require analysis or scientific evidence showing the information on the preliminary map is scientifically or technically incorrect - and comments. More details about the appeals process can be found here. Once all appeals and comments are received and addressed, the county expects maps will become effective by early 2025. The new flood insurance and building requirements will take effect at that time. More information about the mapping project is available here. Individuals with general questions about the local map update efforts can also call the Flood Control District at 928-679-8881 during business hours or email FEMAFloodMap@coconino.az.gov. For information about flood insurance, contact your local insurance agent or visit www.FloodSmart.gov Thinking of updating your homeowners coverage? Reach out to April Plonski at Lucky Penny Insurance, your local authority.

The PRESIDENTIAL PREFERENCE ELECTION will be held on Tuesday, March 19, 2024 What is the difference between a presidential preference election and a primary in Arizona? In Arizona, the Presidential Preference Election has been a significant aspect of the electoral process for over thirty years. Established in 1992, this procedure was Arizona’s way of joining the Super Tuesday states, indicating which presidential candidate might be gaining momentum early. Initially intended for the 1992 elections, it was officially named the “Presidential Preference Election” in 1995, in time for the next presidential cycle. This title was chosen to reflect its purpose: to gauge the voters’ preference for president. The key difference between the Presidential Preference Election and a regular primary is that the winner of this event may not necessarily be the candidate on the ballot for the fall general election. This is because party delegates are responsible for choosing the presidential nominees at their conventions. However, Arizona law encourages these delegates to consider the voters’ preference from this election. Arizona also holds a standard primary election for all parties, but this doesn’t include selecting the presidential nominee. In the Presidential Preference Election, only registered Democrats and Republicans are eligible to vote, while Independents and non-affiliated voters can make their presidential choice known only in the General Election. Voting locations for the PPE must adhere to the formulas outlined in the Arizona Revised Statue based on the number of registered voters with the participating parties in each precinct. The Pinewood precinct, which includes Munds Park, will hold the PPE vote by mail. Mundsies choosing to vote in person on Election Day may do so at the Highlands Fire Department or any of the vote centers across the county (Coconino.az.gov/elections). There will be a polling place in Munds Park in August and November. As for why Mundsies residents vote at Highlands Fire Department for their presidential pick, it’s a matter of numbers. The combined registered Democrats and Republicans in the Park don’t meet the threshold for a separate polling place. But, with Independents and non-affiliated voters included, there are enough people to hold both primary and general elections at the Pinewood Fire Department. Presidential Preference Election Early Ballot The last day to request an early ballot is Friday, March 8 at 5 p.m. You can request early ballots online at www.coconino.az.gov/elections In-Person Voting Tuesday, March 19, 2024 6 am - 7 pm The Highlands Fire Department 3350 Old Munds Hwy Flagstaff, AZ 86005 For More Information and Additional Questions, Contact us at: Phone: (928) 679-7896 elections@coconino.az.gov www.coconino.az.gov/elections Deadline's to Register to Vote February 12, 2024 Last day to register to vote for March 12, 2024 Election at 11:59 p.m. February 20, 2024 Last day to register to vote for March 19, 2024 Presidential Preference Election at 11:59 p.m. April 22, 2024 Last day to register to vote for May 21, 2024 Election at 11:59 p.m. July 08, 2024 Last day to register to vote for August 6, 2024 Primary Election at 11:59 p.m. October 07, 2024 Last day to register to vote for November 5, 2024 General Election at 11:59 p.m. Register to vote here!

Well, we made it another year around the sun and through another holiday! Happy 2024 everyone! January, for me, is a time to rest and relax. After the hustle and bustle of Christmas and New Years, our schedule really slows down and we can take breath! It’s also typically the time that winter starts in full force. And winter calls for soup! One of my favorite annual traditions we do at the church is our Community Soup’er Bowl. It’s held the Saturday before the Super Bowl in February and it is a soup competition. You get the play on words, right? This will be our 6th year to host this event and I look forward to it every year!! Everyone in the community is invited to attend and it is a great way to warm up on a cold Saturday and fellowship with new and old friends. It’s also a great way to taste some really amazing soups! Anyone can enter a soup into the contest and everyone who attends gets to taste and vote. There are lots of prizes to win. Best over-all soup, Spiciest soup, healthiest soup, just to name a few. We have had some wonderful soups in the past and I’m sure there will be even tastier ones this year. So be sure to mark it down on your calendar and come bring a soup or just come to taste. Either way, it will be a very fun and delicious event that you don’t want to miss! So, with that in mind, I am going to share some of my favorite soup recipes. I’ve always been a fan of a good soup and a nice piece of bread. On a cold winter day, there is not much better than having a hearty soup bubbling on the stove making your home smell warm and inviting. Soups are not only delicious, but I tend to make a lot. It’s hard to make a small amount of soup! This is why it is one of my favorites. It always gives me extra to put in the freezer or can. When I am crunched for time, or a friend is in need of a meal, or the power goes out, I have a quick and easy soup already prepared. So here are a few of my favorites. I hope you have time to try them this winter. And maybe you’ll love one enough to enter it in to the Soup’er Bowl! Roasted Tomato Basil Soup This soup requires minimal ingredients but yields such amazing results! When you combine several pounds of fresh tomatoes, several cups of fresh basil and a fair amount of garlic you know it’s got to be good! Ingredients 2 ¼ lbs.Roma tomatoes, halved lengthwise 1 ½ lbs grape tomatoes or cherry tomatoes 4 ½ Tbsp olive oil, divided Salt and black pepper 8 cloves garlic, peeled and left whole 2 small yellow onions, sliced just under ½ inch thick 1 ½ cups lightly packed fresh basil, divided 5 cups vegetable broth Instructions Preheat oven to 425. Place tomatoes, onion and garlic on a rimmed baking sheet and toss with olive oil then season with salt and pepper. Place roma halves cut side up. Place baking sheet in oven and roast 30-40 minutes. Pour ingredients into a large pot. Add vegetable broth and about ¾ of the basil. Season with salt and pepper to taste Bring to a boil, cover, then reduce heat and simmer 20 minutes. Blend soup with an immersion blender. Serve warm topped with remaining basil (chopped) Autumn Minestrone Soup A hearty healthy soup packed with seasonal autumn vegetables! Perfect comforting recipe on a chilly day. Ingredients 2 medium carrots, diced 1 medium yellow onion, chopped 1 Tbsp olive oil 3 cloves garlic, minced 6 cups low-sodium vegetable broth 2 1/2 cups 3/4-inch diced Yukon gold potatoes 2 1/2 cups 3/4-inch diced butternut squash 1 medium zucchini, ends trimmed, sliced into half moons or quarters 1 (14.5 oz) can diced tomatoes 2 1/2 tsp finely minced fresh rosemary or oregano (or 1 tsp dried) 2 1/2 tsp minced fresh thyme (or 1 tsp dried) 2 bay leaves Salt and freshly ground black pepper 2/3 cup dry ditalini pasta (optional) 2 cups packed chopped kale (ribs removed) 1 (14.5 oz) can red or white kidney beans, drained and rinsed Shredded Parmesan cheese (optional) Instructions Heat olive oil in a large pot over medium-high heat. Add onions, carrots and saute 3 minutes then add garlic and saute 1 minute longer. Stir in vegetable broth, potatoes, squash, zucchini, tomatoes, rosemary, thyme, bay leaves and season with salt and pepper to taste. Bring to a boil then and stir in pasta if using. Cover, reduce heat to medium low and and simmer until veggies are nearly tender, about 15 minutes. Stir in kale and kidney beans and cook until kale is tender, about 5 minutes longer. Remove bay leaves, serve warm with parmesan cheese. Chicken Wild Rice Soup This Chicken Wild Rice Soup is a hearty creamy soup made with cooked chicken, nutty wild rice, and mushrooms. It is a bowl of comfort any time of the year. Ingredients 1 cup wild rice (170g) ¼ cup vegetable oil (60ml) 1 onion (chopped) 2 medium carrots (peeled and chopped) 2 stalks celery (chopped) 1 tsp dried thyme ¾ cup all-purpose flour (115g) 8 cups chicken stock (1.9 liters) 2 cups cooked chicken (cubed) (300g) 8 oz mushrooms (stems removed and sliced) (225g) Salt and pepper 1 cup half-and-half (240 ml) ½ cup chopped parsley (25g) Instructions Cook wild rice in 4 cups (960ml) of water for 45 minutes or until it fluffs up. Drain any remaining liquid left in the pot. Set aside. In a large pot, add vegetable oil. Sauté onions, carrots, and celery until soften, about 3 minutes. Add dried thyme and all-purpose flour. Cook and stir for another 2 to 3 minutes. Pour in chicken stock. Bring to a boil. Add cooked chicken, mushrooms, salt, and pepper. Reduce heat and allow soup to simmer for 10 minutes. Add cooked wild rice and pour in half-and-half. Bring soup back up to a boil and allow it to heat through, about 5 minutes. Turn off heat. Stir in chopped parsley. Tortilla Soup Love this one! Ingredients 16 ounce can tomatoes 1 med onion, cut up 2 clove garlic 4 Tbsp snipped cilantro (I double this naturally) ½ tsp sugar 8 cups chicken broth 1 ½ lbs chicken breast cut up (shredded is best). I have also used leftover port and it’s amazing 2 or 3 chipotle peppers and little adobo sauce (or less if you don’t like spicy) I actually used powdered chipotle Shredded Monterey jack cheese or white Mexican queso Avocados cut up Tortilla chips Sour cream Instructions In blender combine undrained tomatoes, onion, garlic, cilantro and sugar. Cover and blend till nearly smooth. Put mixture into a large pot with chicken broth, chicken and chipotle peppers. Bring to boiling, cover and simmer 20 minutes. Put crunched tortilla chips in a bowl with cheese, avocados and sour cream. Ladle soup over and serve immediately! “You don’t have to cook fancy or complicated masterpieces - just good food from fresh ingredients.” — Julia Child

Munds Park New Flood Maps: A Call for Transparent Assessment and Immediate Action Ms. Jennifer Toth Director of ADOT 206 S. 17th Ave. Phoenix, AZ 85007 Ms. Jennifer Toth, I am Larry Hering an Arizona Professional Engineer #11096 and I own a summer home in Northlodge, a small community of Munds Park which is approximately 17 miles south of Flagstaff. FEMA and Coconino County on 9/18/2023 held a public meeting in Munds Park to present updated flood maps for Munds Park showing changes in Flood Risk. I am writing you because Interstate 17, a state highway and part of the Federal Interstate highway system runs through Munds Park and is adjacent to Northlodge. FEMA and Coconino County recently held a public meeting and the agencies verified that some of the homes in Northlodge and Interstate 17 through Munds Park will be designated as “Flood Zone AE” in the new flood maps for Munds Park. My research and discussions with Coconino County and J.E Fuller Engineering who were involved with the flood plain computer analysis led me to believe ADOT was never informed completely of the issues that I will outline in this letter. In 2018 I reviewed a J.E. Fuller engineering study without an Executive Summary provided by Coconino County that documented engineering information and pictures for the flood plain issues that affect Northlodge and the Interstate 17 freeway. This was because Mr. Jim Wilson District Manager for Pinewood Sanitary District informed me that Coconino County was in the process of changing the FEMA flood plain maps for Munds Park. I wrote many emails in 2018 to Coconino County, FEMA, ADWR and J.E. Fuller Engineering. In addition, I had a conference call with a number of these agencies. All my emails are available for review including the conference call summary. In 2018 Mr. Ogden of J.E. Fuller Engineering led me to believe the flooding of Northlodge and topping of water over the Interstate 17 freeway was due to improper drainage under the freeway. At the September 18, 2023 meeting Mr. Ogden of J.E. Fuller Engineering now says the existing 36 inch drainage pipe under the Interstate 17 freeway is no more of a relief to the flood waters than using a straw. Furthermore he stated adding additional 36 inch pipes under the freeway is like adding additional straws. Even though there is a concrete culvert under the freeway 1000 feet north of Northlodge floodwaters still enter Northlodge and top the freeway by 18 inches based on the flood elevation of 6482 feet. My 2018 review of the J.E. Fuller Engineering study validated that the concrete culvert and the 36 inch drainage pipe under the Interstate 17 Freeway, were never considered in any analysis that would allow ADOT to make sure the freeway was not a public safety hazard. In 2018 Coconino County representatives, ADWR representatives and J.E. Fuller Engineering admitted that the flood plain computer analysis was based on existing conditions only without looking at the concrete drainage structure 1000 feet north of Northlodge, the 36 inch drainage pipe under the freeway or any other solutions to mitigate floodwater damages. In fact, I went to Ms. Edie Lohmann of FEMA in Oakland California in 2018 to expose the sham that was perpetrated as new FEMA flood maps. She assigned a person to work with me to sort this mess out. Unfortunately, California fires began in 2018, 2019 and COVID came in 2020. All work and assistance was canceled until out of the blue Coconino County holds this less than appropriate public meeting on September 18, 2023. Unfortunately, the public meeting was not a live presentation by Coconino County but rather a number of tables set up with agencies at each table to talk with. This kept everyone separate disallowing any discussion among homeowners and represented agencies as a group activity. In addition, the live meeting was set on September 18 which did not allow as many people to attend because of the time of year. One could ask why all of this happened in this manner other than for “secrecy” of the flood plain study that had been completed by Coconino County with Federal Grant money. A real public meeting should happen that includes ADOT and that sets forth ADOT’s resolution of the concerns in this letter. Mr. Ogden of J.E. Fuller Engineering was hired to complete the Flood analysis for Munds Park. He established that Interstate 17 will have a flood elevation of 6480.5 feet. This establishes a “flow rate over the freeway” based on 18 inches of water above the base flood elevation of 6482 feet. The new maps put parts of Northlodge and Interstate 17 through Munds Park in a Zone AE Flood Plain. Zone AE is defined as a high-risk flood zone. While statistically the liability for this high-risk flood zone is defined as a percentage risk over 30 years, the real risk is that this type of event can repeatedly happen in a short period of time irrespective of the statistics. The flooding we have seen in Arizona and our neighboring states in the past few years has shown that this hazard is very real. According to information I obtained from the public meeting but cannot validate, ADOT has signed off on allowing Interstate 17 near Northlodge to become a high risk safety hazard during flooding events. This will cause severe injury, even death, from high speed vehicles trying to navigate flash flooding over the freeway. According to J. E. Fuller Engineering the flood studies were based on the freeway acting as a dam without taking into consideration the potential for drainage improvements under the freeway or in any other areas that would alleviate the possibility of flash flooding over the freeway. In addition to creating a potential public safety hazard on Interstate 17, the new flood maps also create a liability for ADOT for flooding of homes in Northlodge because the interstate acts like a dam holding back water from its natural drainage. In fact, it acts more like a dirt dam that can be breached. It is my understanding that ADOT is very conscious of highway safety so I believe ADOT has not signed off on making Interstate 17 through Munds Park a dangerous death trap. ADOT should be appalled over the information I have provided and hopefully investigate my allegations thoroughly so the freeway can be made safe for public usage. I would appreciate being kept informed as to what ADOT plans to do to mitigate the allegations I have provided. Thank you, Larry Hering 11425 N. Baron Dr. Fountain Hills Az. 85268 lhering@cox.net 602-316-6148 Cc: Jennifer Toth, Director of ADOT Certified U.S. Mail William P. Ring, Coconino County Attorney Certified U.S. Mail Kris Mayes, Arizona Attorney General Certified U.S. Mail Steve Peru, Coconino County Manager Hand Delivered The Pinewood News recognizes the importance of community awareness and dialogue on such critical matters. We are pleased to share Larry’s concerns and insights. Should you have any questions or require further information, Larry welcomes your outreach. His contact information is provided above. Your engagement and feedback are invaluable to our community.

Munds Park’s Pivotal Voting Moment on Sewer Repairs Pinewood Sanitary District WIFA Loan mail-in ballot vote is November 7th. The District is asking Munds Park voters to approve a 15 million dollar low-interest rate loan from the Water Infrastructure Finance Authority in lieu of having to double the monthly sewer rates to meet a court-ordered mandate being sought by the Arizona Attorney General’s office to repair the aging and failing sewer collection system. The WIFA loan is the least expensive way to repair the 41 miles of sewer line and 750 manholes. The state has mandated the repairs because of bypass-related overflows of the plant since 2020. The huge snowmelt of winter 2022 resulted in numerous instances where the plant had to release chlorine-treated water into the Oak Creek tributary or face plant sewage overflows that would have created a hazardous scenario for the people of Munds Park. The state has the power to sanction and fine the District and is filing suit to court-order the repairs. The vote allows the District to borrow funds and repay the loan over a twenty-year period at a very low interest rate. If the voters do not approve the WIFA loan, the Board will have to consider raising rates for property owners, potentially doubling the monthly operating and maintenance payment to over $100 a month. Additionally, a separate fund for plant repairs would need to be established, where each owner’s system would incur an assessment to finance repairs to the aging plant. There have been a variety of misstatements spread by a group opposed to the vote. Some of the inaccuracies being circulated include statements like: “Your taxes will go up!” The sewer district consists of ratepayers and does not collect taxes. If the state required the County to take over the District, they would need to implement taxes. Taxes would be assessed to address the statute violations immediately. It is estimated that this would amount to three times what each ratepayer pays now. “The residents of Munds Park will have to cover the Sanitary District charges that the businesses on the west side are refusing to pay.” Absolutely incorrect. This vote is unrelated to the collection of construction fees for properties annexed into the District in 2014. PSD has successfully addressed all monies owed from the West side property owners, except for the new RV Park owners, Inspire Communities. Their case will be decided through litigation and is unrelated to this WIFA loan vote. Shuster Companies will be opening an interest-bearing escrow account and depositing 100% of the construction funds they owe the District into it for Phase 5. Once the District can issue a “Will Serve” letter, following the resolution of the current financial situation, the funds will be released to PSD and promptly applied to repairs associated with the ADEQ consent orders. “How can we be sure that this kind of thing won’t happen again?” The current Board has diligently worked over the past two years to change the organization’s operating structure. The autocratic management of the District has undergone a meaningful transformation. Expenses have been significantly reduced, and roles with employees receiving disproportionate salaries and benefits for services provided have been eliminated. Administrative expenses have seen a 40% reduction. Business practices that leverage updated technology and promote cost savings have been adopted. The days when the sewer District provided local businesses access to dirt, wood, rocks, and other materials from the storage yard are ending. Space is being reconfigured to increase storage for high flow/peak water retention systems, aiming to prevent bypasses. The Board unanimously adopted and implemented a five-year budget, as well as a long-range capital expense plan. Rules and Regulations are now strictly enforced, with staff directed to automatically report felony and misdemeanor “Theft of Services” to the County Sheriff for prosecution. The Board has also implemented numerous checks and balances that were previously absent. A formal annual review and appraisal process was adopted this spring. Required written annual goals and objectives have been integrated into this process. The employee handbook is currently undergoing revisions, with significant changes and requirements being added to the manual. Throughout 2023, planning, restructuring, and organization have been underway to prepare the organization for succession planning for both the staff and the Board. A new District Manager will start on October 2nd. After the vote, an Operations Manager will be hired as an exempt employee (no overtime), and all future supervisory positions within the District will be classified as exempt from overtime. Our process has been revised to provide comprehensive estimates for new sewer customers, including all fees and charges for complete transparency. This change eliminates confusion and potential issues when incorporating properties into the sewer system. The role of the Board of Directors is to oversee the sanitary district operations and enforce the rules and regulations, ensuring an environment where management and staff collaboratively govern the operation that is safe and effective for the Munds Park community. Over the past eighteen months, these volunteers have devoted countless hours to address challenges and issues that arose during the changeover of District Managers, the departure of several Board members, and the implementation of Administrative Consent orders and the upcoming court-mandated decree requested by the Attorney General’s office. I personally want to express my gratitude to them for their dedication to our community, as this Board has made tremendous progress in addressing numerous problems and challenges.

An interview with Fire Chief Josh Tope by Sandee Caviness Over the course of half a century, the Pinewood Fire Department (PFD) has undergone a remarkable and inspiring transformation. Starting as a grassroots volunteer initiative, it has grown into a comprehensive and dedicated fire department, adeptly responding to the evolving needs of our community. In 2003, when Josh Tope came onto the scene, there was a significant shift taking place. Chief Huizenga had initiated hiring a second full-time firefighter for each shift. Just prior to Josh’s arrival, the team consisted of one full-time captain for each shift, amounting to three captains in total, and Chief Huizenga. The remaining workforce was made up of 27 volunteer firefighters. Regrettably, as the PFD volunteers aged and the spirit of volunteerism waned among new Park residents, the pool of volunteers started to shrink. Moreover, some volunteers wanted to pick and choose which emergencies they were comfortable responding to—this was deeply concerning, especially when a rapid, comprehensive response was vital. Despite a core group of stellar volunteers, the nature of PFD calls became increasingly challenging, demanding greater professionalism and accountability. Josh acknowledged that this transition was uncomfortable yet necessary. The solution was to introduce a third tier. This involved maintaining a roster of a full-time volunteer, adding reserves, and expanding the recruitment of firefighters to areas beyond Munds Park to attract younger recruits. Before this change, PFD could only recruit firefighters from within Munds Park. That’s how we got Josh; he was one of the first firefighters recruited from outside of the Park. The strategy was to not only recruit outside of Munds Park but also to attract new recruits by providing on-the-job training to aspiring firefighters and subsequently assisting them in securing roles with other departments. This approach proved successful, with the top-performing recruits often being hand-picked to join PFD when positions became available. From heroic volunteers to a top-tier professional team, the growth story at PFD is remarkable. In the 1970s, while most Arizona fire departments solely focused on firefighting, PFD was ahead of the curve. The visionary leaders of PFD recognized the vital importance of EMT ambulance services and secured a Certificate of Necessity (CON) from the Arizona Department of Health Services in 1976, making our fire department the State’s second official ambulance service provider. PFD has adapted to the times, responding to changing demographic nuances and pivotal global threats. Each public safety challenge has been met head-on. In the wake of 9/11, PFD stepped up, arming themselves with specialized training to address potential terrorism threats, encompassing chemical, biological, radiological, and nuclear responses. Further, to meet the unique demands of our territory, PFD took on advanced skills—swiftwater rescue, cold water rescue, and rope rescue. Skills you’d typically associate with much larger departments. Josh says they might not boast all the resources, but PFD is rich in the essential knowledge and expertise to spring into action when it matters most. Nestled within the forest, Josh said our most pressing threat was a wildfire blazing through. In the early years, the forest surrounding the Park was largely untouched and overgrown, and at a heightened risk of wildfires. The overgrown forest was largely ignored. However, leaders at PFD took decisive action. They formed a Firewise Community and a Wildland Division, fostering relationships with state and national forest service. Today, treatments, prescribed burns, and commercial thinning projects are standard practice. This proactive approach, paired with the cultivation of strong ties to forest services, has prioritized Munds Park for treatments that mitigate the risk of fires. This pivotal shift will save lives and millions of dollars in damages should a wildfire brush our door. The Fire District’s growth has been essential even with modest growth in residential structures, with approximately only 100 cabins added. However, the heart of Munds Park for a long time, was its older generation. These long-standing residents gave the Park its character and soul, nurturing our community for decades. However, as time moved on, many of these cabins have been passed down, with the younger generation converting them into vacation rentals or, some, into long-term leases. This evolution means cabins that once stood serene with seasonal use now hustle with a revolving door of guests throughout the year. With the growth, especially during the summer months, the PFD has seen a sharp rise in emergency calls. Monthly calls have jumped from an average of 20 to 70—a 250% increase. Today, the PFD is unionized, offering better pay and benefits, and staffed with a Captain, Engineer, three firefighters, and two of them must be paramedics. Further, the station is equipped with two ambulances, all outfitted with advanced life support equipment and an engine, ensuring a robust response to any emergency. In earlier years, if two emergencies occurred in quick succession, the PFD would have to seek assistance from the Highlands Fire Department or Guardian. However, they are now fully equipped to handle back-to-back emergencies independently, even handling a third call to provide essential life-saving measures while awaiting additional support. The Future of Firefighting I had to ask Josh about the hot topic of AI: Does he see AI benefiting firefighters? He said they’re already using it! ChatGPT has proven to be very helpful with administrative tasks, and he envisions AI in their future. He went on to explain that currently, technologies are in place specifically designed to monitor firefighters’ whereabouts. In events such as intense house or wildfires, visibility can be severely compromised. Firefighters typically operate in teams for safety, but challenges arise when they are in a vast structure, like a four-story building spanning 4,000 square feet. Modern technologies equip these brave men and women with GPS, enabling the incident commander to track their positions. While these systems aren’t AI-driven yet, he anticipates the integration of AI in the near future. Medicine, specifically paramedicine, demands a deep understanding of numerous drugs and their appropriate dosages. Their stockpile includes 38 distinct medications essential for complex emergency treatments. AI harbors the potential to revolutionize this field, aiding in dosage calculations, among other things. Josh can imagine ambulances equipped with sensors that accurately weigh a patient. The system then could determine and display the correct drug dosages efficiently and precisely using AI. As for the future of emergency medical services, Josh points to well-funded locales like Dubai for a hint. They’re at the forefront, employing methods to tackle high-rise fires with firefighters outfitted with jetpacks and deploying drone ambulances for swift patient transportation to medical facilities. That’s astounding! I couldn’t resist asking Josh if he’d soon request jetpacks from the Pinewood Fire Department Auxiliary. With a smile, he replied, ‘Not yet’. Recruiting Josh points out that staffing is a challenge, a challenge faced nationwide. The allure of a robust pension, which once attracted recruits, has lost its appeal for the modern generation. They value life experiences over material possessions or long-term financial stability. Moreover, he states that while today’s youth display greater emotional intelligence, they often lack fundamental skills such as changing a tire or fixing a leaky faucet. Therefore, Josh has shifted his recruitment focus. He looks for integrity, morals, ethics, and compassion in potential recruits. He’s confident in teaching them the technical aspects; what’s vital is knowing that when he sends a firefighter into a home, they will show respect and genuinely work to provide the best care possible. Simply put, they need to care deeply about the community they serve. Who Would Josh Call? I asked Josh if he could partner with any superhero to fight fires and save lives, who would it be? Josh said it would need to be someone super quick like Superman—after all, he’s faster than a speeding bullet, can start fires with his laser eyes, and douse them with his frosty breath. But wait, Josh remembered the eco-hero from the 90s! Ding, ding! Captain Planet! A blue-skinned, green-mulleted superhero combined with the power of earth, fire, wind, water, and heart. Whether it was a rogue tsunami or a fire threatening a forest, Captain Planet was the go-to guy. With his rallying cry, “The power is yours!” he seemed perfectly suited for any calamity. So, in a playful manner, Josh gives his superheroic nod to the delightfully retro and earth-loving Captain Planet. Why? Because, in Josh’s words, he’s “just so obscure!” The journey of the Pinewood Fire Department showcases how strong leadership and the support of a giving community both with time and money, can create a modern, resilient force. Adapting to changing landscapes, embracing new technologies, and valuing core principles, PFD firefighters are the heroes of Munds Park. It’s not merely a fire department; rather, it’s a testament to the strength of community bonds and the unwavering commitment of those who serve. As PFD continues to write its story, it’s sure to encompass growth, transformation, and service for a safer, brighter future. This weekend, come join us at Agee’s Labor Day fundraiser. Enjoy good food, drinks, and merry moments, all while contributing to the donation jar for their new and well deserved state-of-the-art firehouse. Let’s gather those funds and bring jetpacks to Munds Park! Can you imagine?

New Maps Show Flood Risks Have Changed On July 20, 2023, the Federal Emergency Management Agency (FEMA) released updated preliminary flood hazard maps for the Munds Park area in Coconino County. These maps show that roughly 100 properties have been mapped into the newly drawn Special Flood Hazard Area. The new flood maps are known as Flood Insurance Rate Maps (FIRMs) and they show the extent to which areas in the Munds Park area are at risk of flooding. FIRMs are used to help determine flood insurance and building requirements. The new maps replace maps that were based on studies more than 30 years old. Residents and business owners can use the maps to obtain reliable information about their current flood risk on a property-by-property basis. The maps also provide flood zone and elevation data. These help community planners, engineers, builders, and others decide where and how new structures, developments, and remodeling projects should be built. Information about the mapping project and how to view the maps can be found at www.coconino.az.gov/3141/Munds-Park. A Flood Risk Open House meeting is also being held in person and online. The preliminary flood maps were developed by FEMA in partnership with Coconino County Flood Control District. The process included an extensive, multi-year review of the changes brought about by environmental, land use, and other forces. It used state-of-the-art aerial mapping and risk modeling techniques, new scientific data and a comprehensive pre-release review. In reviewing the maps, some property owners in the Munds Park area will find that their risk is higher or lower than they thought. If the risk level for a property changes, then requirements for flood insurance and building standards can change as well. FEMA’s National Flood Insurance Program (NFIP) has a cost-saving rating option to help reduce the initial cost of flood insurance. This applies to property owners whose properties’ flood risk has gone from moderate-low risk to high-risk (e.g., flood Zone X to Zone A). If a property owner is planning new construction or improvements to their home or business, then design requirements may also change based on the new flood risk information. An in-person flood risk open house has been scheduled for September 18, 5:30 p.m. at the Pinewood Country Club, 395 Pinewood Blvd, Munds Park, AZ 86017. This open house will allow Munds Park residents and business owners to learn more about the updated flood maps and how properties may be affected. On-hand experts will share steps that property owners can take to protect their investment. For those unable to attend in person, a virtual open house will be held online on September 13 at 6:30 p.m. More details can be found here. More information about the mapping project is available at the project website. Individuals with general questions about the local map update efforts can also call the Flood Control District at 928-679-8881 during business hours or email FEMAFloodMap@coconino.az.gov. For information about flood insurance, contact your local insurance agent or visit www.FloodSmart.gov.

Brought to you by Lucky Penny Insurance With the increasing threat of wildfires and shifting insurance dynamics in the Park, it’s imperative that homeowners be well-informed. To help safeguard both your property and insurance coverage, consider the following advice for savvy insurance decisions. Maintain Firewise Status: Maintaining a Firewise status is not only essential for safety but also for ensuring Munds Park remains insurable. The following steps can significantly reduce fire risks: Remove pine needles and leaf litter from roofs, gutters, and surrounding areas to reduce fire risks. Store firewood piles away from structures to create defensible space. Keep trees and landscaping trimmed and consider cutting trees that hang over your home. Always log hours and dollars spent on fire mitigation efforts at pinewoodfire.org/firewise to maintain our Firewise status. Avoid Unnecessary Claims: Taking preventive measures and filing claims cautiously can positively impact your insurance eligibility and premium rates for years to come: Understand that any claim you file can impact your insurability for up to five years. This applies to the specific location (e.g., if a previous homeowner filed a claim on the property) and to the individual insured (e.g. if you filed a claim while living at a different residence). Properly winterize your home to avoid broken pipes and costly water damage. Consult with your insurance agent before filing small claims. Communication is Key: To ensure you’re adequately covered and receive the best rates, effective communication is essential: Be honest with your insurance agent about your specific needs. Different types of homes, (primary, secondary, rentals, etc.) have varying coverage needs. Inform your insurance carrier when you make changes to your property like replacing the roof or adding a security system. If your carrier is non-renewing your policy or exiting the market, share this information with your neighbors. Seek an insurance representative familiar with Northern Arizona’s unique market. Be Flexible: Recognize that insurance needs and costs differ between regions. Flexibility and a proactive approach can save you money. Consider increasing deductibles to lower premiums. Sometimes, it’s better to accept a premium increase from your carrier. Other times, it’s better to seek a different carrier. Carriers’ risk appetites can change. Working with an independent insurance broker provides flexibility to switch carriers when needed. Shop for insurance early; many carriers offer “early shopper discounts”. Prevent Coverage Gaps: Do not let your insurance lapse as it can be costly and limit your options: Many carriers won’t offer coverage on homes with a lapse in coverage. Carriers that do offer coverage will charge higher premiums. Check both physical mail and email a month before your renewal date. Understand Your Policy: Carefully read your Declarations page and inquire about key policy details: Is the deductible for wind and hail different from all the other perils deductible? Are the limits of insurance sufficient to rebuild your home? The Dwelling limit of insurance should reflect the cost to rebuild your home, stick by stick, in the event of a total loss. It does not reflect the market value nor the value of the land underneath it. Is the valuation set at replacement cost value, functional replacement cost, or full repair cost? A policy written at actual cash value will include consideration of depreciation based on age at settlement. This is particularly common amongst mobile home insurance carriers. As an example, last month, a fellow Mundsie asked me to review his policy. At first glance, it appeared that the Dwelling was covered for $150,000. However, after further review, we determined that the Insured would receive only $40,000 in the event of a total loss! By adhering to these recommendations, Munds Park homeowners can significantly reduce risks, protect their investment, and make sound choices. Staying vigilant and informed is the first line of defense against both natural disasters and market volatility. As the insurance landscape evolves, educated decision-making can make a substantial difference in safeguarding your home and peace of mind.