This bill seems to have way too many loopholes and is too narrow in focus. Yes tornadoes and hurricanes are catastrophic but what about drought, flash floods, Wildland fires, earthquakes( natural and manmade) mudslides and avalanches? No incentives for these? Look disasters are going to happen. Communities must find ways to mitigate as best they can. Insurance companies must provide products people can afford that address realistic needs states must incentivize homeowners and businesses and industries and corporations must stop making environmentally stupid decisions which impact coastlines, aquifers, earthquakes, & climate change. The only thing the federal government needs to do is properly fund those agencies such as FEMA, the Army Corp of Engineers, the Coast Guard , the CDC etc and the Charities Red Cross, Doctors Without Borders, SPLC, The Media, NPR,PBS the Sciences:NOAA, NASA etc and have appropriate Safety Net Programs in place, SNAP, Housing, Medicaid, Medicare,Disability, Social Security and World Class ACA healthcare in place when these things happen. It would also be nice to have some world class leadership not denying care to lgbtq people or preventing those from providing it. That's what we need.