I agree with most of what you said. Insurance isn’t going to pay for everything, but it should pay something. Those who have dealt with FEMA know they stall and offer piddly amounts based on the claim. And I’ve said I have as much sympathy as they showed to other parts of the country when they had natural disasters..... I’m sure you recall all the fund raisers on TV and movie stars/singers doing benefits for Middle America for our damages..... yeah, me either.
The Corp of Engineers, because of their mismanagement, destroyed much of the Missouri river plain for farming. The flood was two years ago, and there is enough sand and grit on the fields that there are dunes forming. It will not be farmed again for a decade.
But they saved the nesting area of a fish. Except they didn’t.