Disaster prone states know who they are; so does the federal government. Prior to a disaster, the feds should be advising these states of the regulations that need to be put in place to mitigate the damage resulting from those disasters. The feds should also have a risk based rating system in place that rates the preparedness of each state to deal with expected disasters. Insurance companies can then use this rating system to determine how to price insurance for residents of the state. Low compliance results in high premiums. High compliance results in lower premiums. Residents of low compliance systems would be incentivized to compel their state governments to take appropriate action to get into compliance.
Similarly, property owners that take insurance recommended mitigation steps should get a break on their insurance.
I though republicans said they they weren't looking backward?