There is a difference everyone is missing regarding these “100%” aid  claims; they are simply reimbursements back to the state. The 100% reimbursement will only cover things like infrastructure repairs like electrical lines and road repairs, firefighting costs, etc. and yes all the states get reimbursed that way in a natural disaster. Those funds are separate from what would be paid to homeowners. There is a cap so FEMA should not be replacing these million dollar mansions on the taxpayers dime. I believe the max is $42,500 for housing assistance and $42,500 for home repair or replacement costs. So a max of $85k per property or household if I read it correctly. It is the same thing the folks in every disaster can apply for including HI, FL, NC, TN. However the folks in WNC and ETN have been told they can’t rebuild because of FEMA revising the floodplain maps and telling them they won’t approve the money because the land is no longer able to be built on. That’s the biggest way the folks in WNC and ETN are getting screwed from what I have seen, read, and heard. Those Cali folks would be screaming from the rooftops if FEMA stepped in and said you can’t build your house back because the risk is too high. That is exactly what they have done to WNC and it is why the people are so upset about the housing situation.