I live in a hurricane zone. No, the taxpayers do not subsidize rebuilding. I believe they do with flood insurance (FEMA) but at least with hurricanes, you're on the hook as far as your insurance is concerned and the deductible for tropical storm damage is often quite a bit higher than a typical claim. For example, ours was $15,000 for Beryl back in 2024. Also, our insurance premiums are expensive and you often need flood insurance on top of that. There might be government programs available to people in certain income brackets who sustained damage and for whatever reason, their insurance wouldn't pay or they didn't have it.
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Who are you people and where is my horse? - G. Carlin
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