If a tree gets blown down in a random summer thunderstorm and crushes my house, I have to rebuild it on my own - with insurance coverage money, or otherwise. It's my responsibility. No fanfare, no charity fundraisers for me, no help from the government or anyone. That's o.k. though - I don't expect that....it's my responsibility. So why, in a widespread disaster, does the government have to step in and "REBUILD", and pay for everyone's rebuilding costs at the government's expense? Isn't that what insurance is for? And if you don't have it, why should the government (ie taxpayers) bail you out and pay for you to rebuild. I don't have a shore house - so why should I have to pay to rebuild someone else's?