NO money should go to these people outside of the fire insurance they should have. If one Joe has a fire, nobody steps in to help him. But if a few thousand Joes have their homes burn, the money flows. It's just as much a disaster to one Joe as it is to a few thousand Joes.
If people can't be responsible enough to purchase fire insurance...tough ****. If insurance doesn't cover them in a specific area, don't buy there, or take your own chances. Personal responsibility...our country lacks in that department.