not all disasters happen in floodplains.

when the tsunami hits there will be loads of people impacted not living in "floodplains"

fires, volcanic eruptions, earthquakes, massive storms, etc all can happen here. it is great to be as prepared as possible, but thinking you are prepared enough to say that the federal government shouldn't help in disasters misses the fact that sometimes events and disasters cannot be predicted and circumstances can screw up any amount of pre-planning.