I guess I’m just surprised that the US aren’t pros at this. I understand that every storm is different and unpredictable. And I understand that some states’ govenments and citizens are more savy than others. But you’d think that on the federal level there should more expertise. Maybe I’m wrong and that my view from television coverage is simplistic.
I'll give you a "small world" example. I live on the beach in New England. My cottage is on a slab, no basement, in a 30-year hurricane zone. They should require me to put my house on stilts, perhaps by offering a no-interest longterm loan to get it done. Nope. And of course I don't want to spend $50,000ish of my own money ASAP to get it done, so I'm not doing it. If a big hurricane hits here (god forbid as I plan to move in 2-3 years), my house is toast. But then FEMA will have to pay me over $200,000 to replace the structure. They could have protected 4 houses with that money.
Plus, there really shouldn't be any houses on my street at all due to the hurricane risk. Many were built 40-60 years ago when governments were more naive about storms so it's a bit late now to tear them all down. But since we've supposedly gotten smarter, about 5 new houses somehow got permits to be squeezed onto the beach in the last 15 years. Never should have been allowed. Theirs (& mine) will be destroyed sooner or later. But somebody paid somebody off and presto, new beach homes.