It isn't clear to me where under the constitution anyone is due a bail out after a natural disaster.
We all make choices in life. Some of those choices have consequences, such as building/living in flood zones, hurricane zones, tornado zones and earthquake zones. Why is it incumbent on those who chose not to live in those places to make whole those who did when the foreseeable happens?
And why is it those who act responsibly and get insurance aren't covered by FEMA while those who don't get insurance get covered at others expense, often more completely than those who did get insurance?
All the above is filled with moral hazard encouraging more risk at others expense all in the name of compassion for risky choices.
I'm editing this to add, just wait until California has the "big one". That will be in the trillions.