I lost all respect for FEMA in the late 90s. During Hurricane Floyd in 99, part of the city I live in flooded pretty badly. My house did not flood, but is located near some homes that did flood. During the buyout, FEMA made me a offer to buy out my house so I could rebuild in another portion of the town that should not flood. They offered me right at $20,000(about a tenth of the homes value) for my house and the land that goes with it.
Considering that the measly 20 grand would not even come close to paying off my mortgage or even buy me some land to build another house I turned it down. A few days later, I received a phone call from FEMA stating that they were going to turn off the power and water to my house to make me accept the offer.
When I again told them NO(plus a few other things), they decided that for me to turn down their "fair" offer, I would have to sign a paper stating that I had given up my rights to a buyout and if a flood were to ever happen again, I could in no way ask or expect FEMA to bail me out.