Do you expect everyone to fend for themselves, or for organizations like the Salvation Army to literally have an army with all of the necessary equipment to rescue and care for those flooded out?
Some things the state does because it is the logical actor. Large scale disaster logistics are one of them.
SD
You can call me cruel if you'd like, but as far as I'm concerned someone who refuses to evacuate a disaster area and then climbs on a roof expecting to be picked up by a helicopter is not a "victim" in any sense of the word -- he/she is a public menace who is putting other lives at risk through their own ignorance, stupidity, arrogance, etc.