Absolutley right! Why would any sane homeowner not have their home insured? How the heck do they fail to insure under a requirement from mortgage lender to carry insurance?
The only thing FEMA should do is either cover things that insurance can’t/won’t cover (like floods) or step in when they make up bullsh*t excuses not to cover things (which happened after Katrina to some degree).
“Absolutley right! Why would any sane homeowner not have their home insured?”
Because it is not essential compared to water and electricity, and the house is paid for. More and more people are having to do risky financial triage like this, in this era of hope and change. Yes they are.