FEMA has nothing to do with insurance. They do grants, cover temporary gaps in coverage time for insurance, and coordinate repsonses across regions (multi-state

FEMA has nothing to do with insurance. They do grants, cover temporary gaps in coverage time for insurance, and coordinate repsonses across regions (multi-state). You are thinking of programs like the NFIP (national Flood Insurance Program)... Unfortunately, programs like this create perverse incentives. People keep building homes where none would be if disasters were priced in.