First of all it is the 99% taxes payers money and may some of the 1%, not the federal government money and I don't see the federal government given any of it back to you or me. Personally they can keep it, they already had to justify why they needed it. Can there be abuse, yes, but it usually contractors and others, not the home owner. FEMA should be, not only the source for support, but the oversight to protect the home owner, and go after bad contractors and over charges. Also homes in flood planes need to be removed and bought out! 2% of the homes get 40% of FEMA!