I never quite understood FEMA. I've seen stories, possibly exaggerated, about how ineffective they have been. I've seen folks in damaged areas claiming they had not heard from FEMA at all. So, I don't know, maybe the truth is in the middle. I sort of expect folks to take care of themselves in a disaster, maybe with local assistance, and it's nice if temporary housing is provided for folks displaced. I'm not clear what else they do, but haven't really looked into it.