I am not sure how it happens in US, but during the 2004 Tsunami, the WT in India built and repaired around 350 houses of JW's in the affected area, and almost none of them had homeowner insurance as it's not a popular form of Insurance here in India. I know because I coordinated the relief efforts during that time and was on the committee that had oversight.
During COVID, Angola, Zimbabwe and Venezuela were provided with relief in the same way.
I am not sure of Wt actually makes any "profit" out of disasters - whatever that means, unless there are actual numbers to prove.