Subject: Re: Hurricane Milton, Paradise Lost
To my knowledge, flood insurance is always a separate coverage. Usually backed by the US government. I know I don't have flood coverage as part of my policy, and it's not available as a rider. I would have to buy a completely separate policy from someone who offers one.

I'm not sure that FEMA builds villages, but maybe? With a competent head, and some funding, the response should be as good as is possible.