What about FEMA?
Rebuilding your home is your responsibility.
You might expect the Federal Emergency Management Agency to swoop in and solve your problems after an earthquake, but that’s not really how FEMA works. The feds focus on meeting people’s immediate needs following a natural disaster, such as providing medical care, food, and clothing.
As the agency informed victims of a major earthquake in Alaska: “Insurance is always the first line of defense when a disaster causes damage to your home and personal property, and by law, FEMA cannot duplicate insurance or other benefits.” You may apply for federal grants or loans after a quake, but repairing or rebuilding your home, and replacing any damaged belongings, is your responsibility.