Valentina lives in a "100-year floodplain" near the Yakima River. Each year she faces a 0.011 probability of a flood, that will cause $64,000 in damage if it occurs. Her annual income is $86,000. Valentina's utility of consumption is U(C) = C^0.42, where C is her entire income if there is no flood, and she consumes income minus damage if there is a flood. Because her utility function makes her risk-averse, Valentina wants to buy flood insurance to cover all of her losses in case of a flood.

What is the maximum annual risk premium for full insurance that Valentina is willing to pay, to the nearest $1?