The thing is FEMA has workers who humans as well. They can’t just move in when the condition could pose critical danger to the lives of FEMA workers or of local authorities. The unrealistic expectation of these people is that FEMA be stationed in anticipation to the disaster right in the middle of the disaster zone.
Other than that, personal property damages are a matter of insurance coverage, not FEMA’s responsibility. Some politicians would use rhetorics like “their house is gone and you’ve given them $750?”. The thing is, right after a big disaster, nobody wants money, because it’s not like they could use that money to summon a boat from thin air and go to a flooded/destroyed/closed store nearby to buy stuff.
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