Get rid of FEMA, at their best they are inept and do not abide by their charter, are a wasteful bloated department, and at worse they are weaponized.
Start a new sub department under DHS with as part of their charter, to block grant those who are chartered to help people during emergencies, and seem to be at major disasters first and leave last. Agencies that do help are The Red Cross, Salvation Army, Convoy of Hope, Samaritans purse etc., and construction companies who are part of the rebuild process or they can be subbed by the organizations above . Part of these companies condition of grants would be 3rd party audits of services preformed in a predetermined set time.