Maybe. It's happening when I write a paragraph, then click 'middle' for the next line. Once the cursor is in the middle, I add the photo, no text, then I've been going to the tree icon and hitting middle there again as an option. So what I was doing was double centering it (text and image). That left the link live, so in order move the cursor and get it back to flush left again, I had to unlink it. When I did that, it left the image without the url.
Make sense? It was my habit of double centering it that caused the problem.
Duh.