Disasters in 2017 stretched FEMA to its limits: Almost 26 million Americans were affected by major hurricanes. Puerto Rico's power is still only 65% restored. Things are at least as bad in the Virgin Islands. A quarter of a million Puerto Ricans may have already moved to Florida. It's most likely time for the United States to invest in a true national emergency-response agency with the resources (in equipment, funding, and most importantly, manpower) to act decisively when natural disasters overwhelm local governments' capacities to respond. We evidently don't have that yet.
Listen to this podcast segment and see if you're convinced that we need a bigger, better FEMA to actually help Americans when the disasters are too big for local governments to fix: