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The government could help out, it all depends on the situation. If a whole town gets mowed down by a storm, the federal government will most likely pitch in. As 74 said, insurance coverage from state to state, county to county, etc... can vary. Tornados typically target trailer homes and as a result a lot of people are SOL because they can't afford insurance.
Sometimes a family will insure a home, but not it's contents. What is covered is largely dependent on what the insured tells the insurer to insure them for. Lein holders also play a huge roll in the scheme of things, in some cases the note holder tells the home owner what coverage he/she has to carry.
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83 944
91 FJ80
84 Ram Charger (now gone)
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