I don't expect the WT will be organizing disaster relief for the recent KY flooding, as there is no money in it for them.
That would be interesting to know the follow up of. As to living in a known flood plain, I don't know if you can get a mortgage without flood insurance.
On another note, years ago, this happened...a divorced sister couldn't maintain her home (before her husband took up with another woman, they decided to tear down the old home she owned and put in a new modular or doublewide-whatever ) The foundation wasn't right and the house was showing signs of the shoddy foundation. I complained to the elders that they would go for miles and at their own expense to fix the homes of brothers and sisters they didn't know, while they didn't care that her home was falling off it's foundation. This did guilt trip them into speaking with her about it, but by this time, she couldn't afford the house payments and she had decided to abandon the place. My Mom didn't go to church, but a church group from where my sister attended went to my Mom's and repairs her old back porch. ( some churches have these volunteers for their members-JWs don't) What's up with that...you can go miles away and assist while a local person without means have their home fall down around them. Maybe others have better experience. I am not suggesting that members of a congregation owe us home maintainance, but I am calling out the hypocrisy.