FEMA money is a fickle thing.
You can only qualify for repair/replacement if it's your primary residence.
If you're insured, you don't get none.
If you're a dead beat renter, they shovel it to you so you can become a dead beat home owner.
If you're already a dead beat home owner and have zero insurance on your primary swamp located home, FEMA brings you crisp hard cash by the truckload typically within 3 to 5 days after the related storm.
Don't ask me why I know this.
I've seen single wide 12x70 mobile homes magically turn into 3500sf sprawling waterfront estates after FEMA gets done fixin' them up.
The need to start naming hurricanes more appropriately.
Names such as Bingo, Jackpot or Yahoo would be more fitting.
Right? And flood insurance ain't what people think it is.
Nothing is "replaced". It's all depreciated.
