Opinion by Daniel Kaniewski (CNN) — Natural disasters can have devastating financial consequences for individuals and households, yet few are fully protected. With a record number of recent disasters, including severe storms, flooding and wildfires, and an active hurricane season forecast that has already seen Beryl hit Texas, it’s a bad time to be disaster-poor. Individuals and their communities should act now to build their financial resilience. Some, though, believe the federal government will make them whole when disaster strikes. As the former Federal Emergency Management Agency (FEMA) official responsible for helping Americans prepare for disasters, I can tell you this is simply n
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