FEMA discriminates. you have to be poor miinority folk to receive help from FEMA. My house insurance THANK GOD was a bit more helpful than FEMA. They told me I could go for a SBA loan for everything else.
Those who had flood insurance and homeowners insurance have been totally screwed by the insurance companies down in New Orleans, and the rest of the gulf coast. You are correct. FEMA is a bastard to work with.