At which point water, food, fuel, safety, repairs and rebuilding--in short, survival--will ALL become a huge problem.
Because FEMA does not help. They hinder, hamper and harm.
Now, don't forget, if you are a 'prepper', FEMA will take your stuff and hand out some of it to those who didn't prep one bit and didn't have so much as a can of beans in their cupboards.