I'm not real clear on what the government actually does pay. I know they've got that Flood Insurance Program that despite those folks who pay premiums, is billions in the red. Then I hear FEMA was handing out emergency cash on hand (to apparently anyone?) at $500 a clip, and a couple thou to help people get a place to rent. Those are pretty generous, I'd say, but it helps get people out of the shelters. I would guess most people managed to grab their wallet when they fled their homes, even if they were rescued in a boat. The $500 might be extremely welcome to those who live paycheck to paycheck and would be hurting bad from days or weeks without work. People with $3.78 in their bank accounts and that's it. I've been there before and a disaster like Harvey would have left me and my son right on the street. There is no way I ever had the extra money for Renters Insurance either. I was usually left deciding which bill would be paid late so I could buy groceries.It's not about what others do but about what those that made a choice not to have insurance expect. I don't care if a private charity chooses to do that. I have the option if they do decided to help those that made bad choices about not having insurance to not donate. Things change drastically when the government starts providing money to those that chose not to have it.
So anyway, what the feds primarily do is help local and state governments rebuild infrastructure and pay all their overtime by first responders and shelter employees and all the others involved in righting the world after a disaster. They make available low interest LOANS, I hear. Not give aways.
I could be wrong.
What I remember from twelve years ago is we were issued a Citigroup bank card loaded with a finite amount of money (don't remember how much, I think about $2000) to use on those essentials including shelter/rent, until it ran out. FEMA also gave you a separate check for documented lost property, in my case a submberged car, once you furnished documentation. I remember that it was when I first acquired a digital camera for that purpose since there were tons of pictures to take.
For me at least it was handled very efficiently. I surely didn't make a profit but I did get a bridge to normalcy to keep up until regular life could be adapted to and restored and the system worked well.
We did go to a local shelter, probably because they had electricity and internet. It may have been a Red Cross operation, not sure. Strangely enough it never occurred to me to ask around for the religious affiliations of those who were running it. Nor did it occur to me to find out their astrological signs, their shoe sizes or whether they knew what the capital of South Dakota was. What was I thinking.
Didn't you have insurance or are you one of those that decided not to get it then expect the government to offset things?
"Insurance" on what? Levees?
Nope. Not my responsibility is it.
You live in a bowl. Whose responsibility is it if not those that live there?
The US Army Corps of Engineers. Who were found liable in court.