Trains have resumed rolling through this small community again, past 47 Christmas trees in front of St. Agnes Church that honor the townspeople killed last July when a runaway oil train left their downtown in an inferno. The 1 a.m. crash of a driverless train that had broken free from its moorings and barreled downhill before derailing sent waves of flame coursing through town. “The downtown vanished,” says Roger Garant, a retiree and city councilman. That raises the question, beyond still-unhealed psychic wounds from the tragedy, of where the money will come from to rebuild. This, in turn, leads unavoidably to a commercial issue in the midst of the human ones: insurance. The cleanup cost alone at Lac-Mégantic is running about $4 million a week, according to Mr. Garant. It may total $200 million, the Canadian government has said. Beyond that comes the expenses for rebuilding the library […]