The federal government is broke. Not only is it broke in the sense that it is bankrupt, but it no longer can even function in a reasonable fashion. The GAO estimated last year that there is annually about 200 billion (that is a b) in duplicative federal efforts. They have not had a budget for 4 years. There is still a projected annual deficit of over a trillion though revenues will be up to 3 trillion without tax increases. FEMA's futile effort just verifies they are toast. The states that keep their budgets balanced and resist the intrusions, like Texas, will be your best bet when the ultimate collapse occurs. Stay out of the metros, as with Greece, those folks will riot when the gravey train stops.