People don't buy flood insurance because it's separate and expensive. Why do you think Insurance companies don't have flood insurance in their coverage? - Lapsody

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To be clear, I am not complaining that standard home insurance does not include flood insurance. If it was included, the cost of HO insurance would sky rocket for everybody and most people don't need it. And yes I am savvy enough to konw about flood plains, flood maps and how to use the internet.

Getting back to the point I as making, there is a huge and looming problem with flood victims, especially in remote areas, will be facing winter in a few months and they have no shelter. The FEMA programs that I can find anyway all require and victim to file paperwork, then go find a hotel, and FEMA will pay for it for a while. Or FEMA may lease some available vacation homes, etc and assign one to you for up to 18 months as I recall.

IMHO, these FEMA programs are well intentioned and effective to some degree. But their process is significantly inadequate to meet the needs of the present situation. FEMA needs to provide housing, not an application process for people with no resources to navigate. Treat these flood victims as if they were migrants, and by that the migrants were not on their own to find a place to live and then file for government assistance to pay for it. The cold weather will be here in two months and snow in three. Time is running out. Where is the housing for 50 or a 100 thousand going to come from?