Devastation.
Devestation eh'? That is what INSURANCE is for right?
See how I didn't mention loss of life? For when you are warned of a coming storm you either chose to stay or you chose to go. When you make that choice the devestation you experience is your own choice.
Chose not to have insurance then quit complaining.
Chose to stay thru a storm then quit complaining.
Make these two choices together , damn sure do not DEMAND that people fix it FOR YOU and take care of you for years afterwords.