I think we've seen from recent disasters (particularly, Helene/Ashville), though, that flooding happens in places far away from coastal areas. And I don't think the federal government should have a policy that differentiates between flood aid in my FL community and eastern KY. You would want them to say if my property floods, in order to get aid I have to buy flood insurance, but the same principal does not apply to Eastern Ky or Western NC?If someone lives in a place that floods frequently they should have it under current requirements. However it should not be forced simply because a property flooded once. Especially not when much of the flooding was caused because the epa stopped the practice of dredging creeks and rivers.
Plus fema assistance is not intended to be a secret trigger for flood insurance. They give a homeowner a one time benefit of $750 for a disaster the government helped create, and in return the homeowner/victim now gets to pay 1500+ every year for flood insurance. How is that helping anyone?
As far as the "trigger" argument, I guess this is intended to be a prudent use of government resources. You wouldn't want the government to repeatedly pay the same person aid for flood damage when they could have purchased insurance. But like with many things, it seems unfair in certain circumstances in actual practice.