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If there's such a thing as a "100-year flood," meaning a flood that only occurs every 100 years, then this photo must be the "100-year winter ice storm." Nothing is written on the back of the photo, but there are several things to point out to tell the story to viewers in 2010.
First, the photo was taken in Bluffton by an unknown photographer. The scene is South Main Street, looking south. The house on the left appears to be 321 S. Main, what is today The Lamplighter Bed and Breakfast, owned by Joan Bauman.