I agree with you.
IMO, fedgov should help pay for major infrastructure repairs such as roads, bridges, levees, power lines, sewers and treatment plants.
But when did we start assuming that the taxpayers should buy new houses and furnishings for individuals?
After Sandy, I was talking with a few FEMA reps who were sent to my area to “assist” with people who needed help. Just for shits and giggles, I asked what I could get in aid since I had five massive oaks trees come down on my garage and deck. I was told that if I had insurance, I was not entitled to anything, not even a low interest loan. FEMA was there to assist the people who had no insurance. How do you own a house and not have homeowner’s insurance? FEMA gave out an extra ration of food stamps to anyone who came forward. You did not have to even prove that you lost your EBT card. Our tax dollars paid for this.