The answer should be not only, ‘no’ but, ‘Hell No’!!
Through our Federal government we have abandoned the concepts of individual responsibility, local government responsibilities and increasingly state responsibilities. In any disaster prior to The Great Society programs; people, local communities and states were responsible for themselves. Thaïs was true for the Galveston Hurricane, the Chicago fire, the San Francisco earthquake, the numerous floods of the Missouri and Ohio rivers, etc.

When Uncle Sugar said, “I will take care of you.” things changed rapidly. I have watched the news as the people of Volusia County demanded that the Federal Government pay to rebuild their homes, despite the fact that they chose to live in a flood plain and did not purchase flood insurance. I will not even begin to discuss my feelings about New Orleans or the Florida barrier islands.

My feelings on the subject are fairly simple:

1. The nation at large has no responsibility for your local problems
2. States have no business underwriting insurance for home and business owners. If you need insurance, buy it yourself on the open market.
3. If you are hit by a foreseeable disaster – tornados in Kansas, Hurricanes in Florida and/or Long Island, flooding when you live in a below sea level, earthquakes in California, etc. – that is your problem – not ours. You can buy flood and earthquake insurance. The same for local governments – if you have not taken reasonable financial safeguards, don’t ask us to bail you out.
This is just my call for personal responsibility. Just JMHO.

Wayne