[onewhippedpuppy]

For starters, the wise cover their ass with insurance, be it renters or homeowners. That's one point.

Lets be honest here, everyone got money from FEMA after Katrina, especially the poor. So you have money to replace the essentials, you have a home to live in (TEMPORARILY), now it's time to go get a job and rebuild your life. It might be callous, but I think most who haven't have done so is by choice. NO had a pretty significant welfare population already, now they just have a new excuse.

I can tell you for sure, people that lose everything in a KS tornado certainly take a much different approach to rebuilding. There were never FEMA trailers in Greensburg because people took care of themselves and each other. Everyone there has either chosen to rebuild or moved elsewhere to start over.