 He complains that FEMA is a mismanaged and nearly-bankrupt bureaucracy, open to corruption.He also argues that the socialized insurance concept which underlies FEMA is deeply flawed, encouraging risk-taking – such as building beachfront homes in hurricane-prone coastal areas – that would be too expensive to consider if the sole source of disaster insurance were private-sector insurance purchased in the free market.In his view, disaster response management should be coordinated at the state and local level, without any federal involvement, and should be entirely voluntary and based on charitable goodwill.