Guest @12:56 AM;

I don't know if what you say is true or not but remember one thing - as far back as I can remember, the winner gets the largest trophy.
(and don't go to election crap)

And Sigurd, your first paragraph is pretty much on - they arrange for replacements, grants or low interest loans for repair.
Been on both sides of FEMA - was a volunteer info gatherer for a second situation. Received a low interest loan for the first. (flood)