re: High credit score = no assistance from FEMA

When you say "relying on FEMA is/was preventable", you lose your argument. Because no one person is insured for every single one of life's possible tragedies. The "should have" argument can be applied to people living next to a nuclear plant in Japan. Or living on the beach along the Indian Ocean. ANYWHERE in the US would have flooded if they got 3 feet of rain in 60 hours.