SPENCER, Ind. (AP) — Robin Lane's neighbors thought she was crazy when she rebuilt her home after a 2005 flood atop 8-foot pylons that gave it the look of a coastal cottage.

But when the White River flooded again last month, Lane's neighbors saw the wisdom of her home on stilts — their houses were swamped in muddy waters, but her home was high and dry.

The wave of flooding that struck June 7 in much of central and southern Indiana damaged more than 150 homes in Spencer, leaving residents to clean up and seek out federal assistance.

And even Lane, a special education teacher, wasn't untouched. Her Ford Escort was ruined, submerged up to its windows in water. But she's taking the loss of her car in stride.

"Losing a car is nothing compared to losing your home," she said Monday.

Lane stayed in her house four days after the June flood as the water lapped around her home like a lake. She finally left when the mosquitoes got bad, sailing away in a boat loaded with her dog, a bag of dog food and a sack of clothes.

"I decided back in 2005 that I had a choice — walk away or stay and rebuild," Lane told The Herald-Times of Bloomington. "I stayed."

Lane, who had flood insurance and an investment in her property, eventually found a Web site specializing in coastal homes and had her home rebuilt atop 18 concrete pillars.

While Lane's home was spared in the flooding, many of her neighbors are now either homeless or struggling to salvage their homes. She fears that she may one of the few residents who stay in their neighborhood in the town about 15 miles northwest of Bloomington.

Dan Hogan, who lives across the street from Lane, will be staying.

He fled to high ground with his wife, Sherrie, and their daughter on June 7 when floodwaters reached the family's mobile home. Hogan saved his car, along with the one he had just bought his daughter for her 16th birthday.

But the family's mobile home was ruined. He and his wife are waiting for word back from the Small Business Administration to see whether their loan request will be approved.

For now, they're living a few blocks away in an apartment after staying nearly two weeks in a motel in Spencer. Hogan said he's keeping things in perspective.

"We had planned to bring a manufactured house in here in a year or two, so I guess we'll just be doing it a little sooner," he said.