Then, there is stuff like flood insurance. If you live in a flood-prone area, you can't get it. Why not? Because floods happen in flood-prone areas. Hurricanes happen on the Gulf Coast. It's sort of like a pre-existing condition. In the absence of that insurance, we've got government financial transfers.
We can think of financial transfers in terms of how concentrated or disbursed the costs are, and how concentrated or disbursed the benefits are. Disaster money disburses the costs and concentrates the benefits. Normally, that kind of policy goes through easily. But, normally that kind of thing slips through the process through earmarks, or through the tax code, and that's why the tax code is bloated. Disaster relief money tends to be complicated, though, by regional conflicts, the fact that it is all done in the open, and current tensions within the GOP.
It will happen, but like everything else in the current Republican Congress, it will be unnecessarily dramatic.