WAY to go Trout. I just got back from Rockport helping out for a week with Samaritan's Purse (what a great group!) Rockport and parts of Aransas Pass including Port Aransas are a mess. It'll be a couple of years before they recover. Wish I could figure out how to post a pic, but there was one mobile home we worked on that was totally destroyed IMO, but FEMA told the owner that she needs to repair it. What a load of crap! Half the roof was torn off and the whole trailer was shifted sideways. I'm not saying that the owner doesn't owe some responsibility, but to say that her trailer could be repaired was ridiculous. It was trashed. All we could save was some of her inside contents (and very few of those), but her attitude was "oh well, guess I'll have to live with it."

Very sad for all, we are so fortunate.

People need to take anything FEMA says with a BIG grain of salt.
We applied for fema help after the flood for the possessions we lost . they cut us a check for about half. (That's cool as i didn't have to come out of pocket for that half.) then they advised us to get an SBA loan to help repair our house. Did that also. Now with the Restore La. program we have to come out of pocket for any of that money we have spent on replacing or rebuilding to qualify for the restore program. I can understand that any money we got to rebuild (SBA Loan) would be a duplication of benefits. But we got 10k from fema to replace 18k of contents lost. Restore says we have to put that 10 k up also . But the restore program doesn't replace furniture or clothes or tools, Only appliances.
Don't get me wrong ,i am grateful for the restore program. We will have a brand new home (at least the interior ) when they are finished. But they need to realize that FEMA money is not a duplication of benefits.
Also If you apply for an SBA loan and you qualify for 75k. Let's say you have enough in the bank to where you can get by with 30k of that loan . So you take 30 k of the 75k. when restore kicks in they use the 75 k figure for duplication of benefits. not what money you got but what you qualified for. This program does not repair mobile homes .They just pay a flat fee for them . 45k for a single wide and 65k for a double wide. whether its 1 year old or 15 years old.