How does that usually work? I always thought it was up to the homeowner to have sufficient insurance coverage to replace everything in the event storms like this come along. ...
Some information from FEMA about this -
Will FEMA Rebuild My Home the Way it Was?
FEMA’s Individual Assistance Program provides financial assistance and direct services to eligible individuals and households who have uninsured and underinsured necessary expenses and serious needs. The program is not a substitute for insurance and cannot pay for all losses caused by a disaster. It is intended to meet basic needs and help you get back on your feet. FEMA is not empowered to make you whole.
What assistance is available?
Disaster assistance may include grants to help pay for temporary housing, emergency home repairs for the primary residence, uninsured and underinsured personal property losses and medical, dental and funeral expenses caused by the disaster, along with other serious disaster-related expenses.
Am I eligible for disaster assistance if I already have insurance?
Insurance is your main source for money to put your life back in order after a disaster. It’s very important for you to contact your insurance agent and file your claim. If you have not, do so right away.
Insurance does not cover many expenses so disaster programs may be able to help. So, you should apply for assistance even if you have insurance if you have unmet needs that FEMA may find to be eligible.