Not an uncommon situation following a major disaster like a hurricane. Given that experience, there are those in the Federal Emergency Management Agency (FEMA) and at the state level who likely started working on this challenge immediately while others were concentrated on search and rescue.
While FEMA trailers have been “sworn off” in the past, many times these are the quickest and best solution for temporary housing. When I say “temporary,” I’m talking months and in some cases years.
Some people, after the mortgage is paid, might not have maintained insurance on their homes. If they did not have basic homeowners insurance, it is most likely they also did not have flood insurance that is backed by the federal government. Those who lost everything are likely left with nothing to use to rebuild.