To answer my own question, I believe Timothy McV to be a terrorist. I will grant that he attacked a Federal building because of some beef with the government that I don't fully understand. That building was also occupied by civilians and children.
We have a nun in Washington state, that has been jailed and imprisoned for civil disobedience due to her protests against nuclear weapons. She more closely fits the term of "insurgent" in my opinion.
If it is difficult to distinguish among our "home grown", I doubt that we can claim certain knowledge of terrorists vs. insurgents in another country.
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