Yes, it is! From the article, "We handled floods and disasters for 204 years before we had FEMA, and states and volunteers and local communities did quite well." So the question to be asked is, "Does FEMA do a better job?" Looking at Katrina and now Sandy as evidence, I would say "no." What it does do is get in the way of real and more importantly, timely assistance while effectively killing off alternative sources. FEMA is expensive and ineffective making it just another instance of government bloat. Doing good because government insured it to be the only do-gooder left standing doesn't free it from being what it is.