How can a poor state like Louisiana or Mississippi foot the bill? In case you haven't heard Louisiana is one of the poorest states in the nation. It's why most of the people I know like me left when they got the chance.
How would you like to deal with rising water that forces you into attic where you drown because you can't get out? Or perhaps your house was knocked off its foundations by rushing water or 150 MPH winds.
The number of people killed by tornadoes or blizzards in the past century don't even come close to those killed in just a few hurricanes of the past two decades.
I've got news for you: FEMA shows up for tornadoes and other disasters. They are just never on a scale like this.
I have been through two tornadoes and have yet to see them.
Poor state or not you choose to live there and you foot the bill. Take responsibilty.
I am not ill-informed enough to climb into my attic. I also do not run a hair dryer in the tub etc...