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?
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.