I think what is being lost here in the discussion of the rebuilding of the parts of the city where people of limited means lost their homes is the fact that homeowners can have their insurance supplemented by government grant/incentive programs intended to assist communities to build green. This can be written into a master disaster rebuilding plan and supported by a combination of government grants/disaster relief, etc., with no additional cost to the individual homeowners--effectively each homeowner gets a government grant to assist in their rebuilding if they build green and energy efficient--over and above their insurance. It would take some planning and an agreement of homeowners to go with the project as a whole, or they could agree to sell their land and rebuild in another location. It would take an agreement of everyone and perhaps "town hall" meetings of homeowners to discuss. This is a rare opportunity to totally rebuild a community for the benefit of all who live there. The payoff--more healthy homes with much lower energy costs.