In regard to New Jersey, I am fairly serious about being skeptical of the $100 million to Hoboken. A lot of the services for rescue were paid for by the State and/or Federal government. National Guard Troops are not the cost to the city.
Stinking water recedes and the clean up is to be sure the clean water services are intact and online. The water damage, unless it is permanent can be treated successfully if done quickly after it happens. The streets and gutters are only a problem if the infrastructure was damaged by rushing waters that break up the pavement.
Commercial and residential damage can be covered by private insurance. Real estate values probably wouldn't change that much UNLESS the area flooded was listed as a new flood plain on the federal maps. Then it would be a problem.
Windows that would be needing replacement due to wind damage doesn't cost $100 million.
Hoboken is a little more than 2 square miles with approximately 55,000 people as residents. If everyone of those residents were adversely effected $100 million would be distributed at the rate of $1800.
I know $100 million sounds right, but, is it really? I have my doubts and they are real doubts.
The food and water that came in was supplied by non-profits that work with volunteers and donations. They don't send cities invoices for their services. Hoboken may or may not have opened empty buildings for temporary shelter. So Hoboken spent some money on electricity not usually running the meters, there was some overtime for employees for the clean up, fuel to run the cities street sweepers, water to flush the cities water systems. But, I'll be completely honest, for 2 square miles, I could build another city for $100 million dollars.