Trump says states should manage disasters and weighs shuttering FEMA.

A growing number of federal emergency managers say some reforms are needed and that FEMA is overextended.

“The real question is how those burdens should be shared at all levels of government,” said Daniel Kaniewski, the second-highest ranking official at FEMA during Mr. Trump’s first administration and now a managing director at Marsh McLennan, a consulting firm.

The past four administrators of FEMA — two appointed by Democrats, and two appointed by Mr. Trump — have made versions of that argument, calling for states to do more. But states generally want more help, not less.

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Disaster resilience can’t fall on insurers alone, Marsh’s Kaniewski warns.

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As Floods Become Bigger and More Common, Risks from Insurance Gaps Also Grow