No one ever gets the disaster relief they want. Hard to know if it is need or want. I do think the states and cities can plan more though. There might be more needs than wants even if no disaster. I am sure that the poor in states withoutmuch medicaid think so. So where to look?
First, states and cities are too under-insured privately. States need to set aside some of their own monies for their own disaster relief. "They found that a significant portion of state and local governments that are eligible for PA (public assistance) purchase some type of insurance for their buildings, contents, vehicles, and equipment (BCVE)
but that the insurance share across all PA projects is low, meaning that FEMA is paying for a substantial portion of the repairs."
https://www.rand.org/pubs/research_reports/RRA332-1.html
Less fema, more private insurance or rainy day savings. It is a good idea to have FEMA assist in the most catastrophic events. Have that defined so that politics are not as involved in who gets relief.
Here are the excessive needs of Arkansas. They need to plan for two events a year, maybe Fema then covers parts of the third or fourth. The same should be for every state.
"From 1980-2025 (as of April 8, 2025), there have been 97 confirmed weather/climate disaster events with losses exceeding $1 billion each to affect Arkansas. These events included 17 drought events, 9 flooding events, 2 freeze events, 55 severe storm events, 5 tropical cyclone events, and 9 winter storm events. The 1980–2024 annual average is 2.2 events (CPI-adjusted); the annual average for the most recent 5 years (2020–2024) is 6.0 events (CPI-adjusted).
Billion-Dollar Weather and Climate Disasters | National Centers for Environmental Information (NCEI)."
So these are too common. Much of that billion is private poperty anyway.
I suppose though if you want more FEMA, then pay more Federal taxes for it. However, that is not fair to the states that are not disaster prone.