3. Not surprisingly, levels of disaster damage predict participation in recovery meetings. This is important for thinking about recovery decisions that have community-wide implications and who is most actively involved in shaping elected officials thinking and decisions.

Lots more in the article!

1. The level of disaster damage was inversely related to that person's support for sustainability and resiliency policies post-fire, reflecting (we believe) concern over the economic cost of recovery.
2. People who experienced higher levels of disaster damage had less trust in the recovery process.

(and that is where policy really matters. In some disasters, the cavalry arrives and offsets those transitional housing costs or provides assistance to help homeowners float their mortgages until insurance settlements. In others, the cavalry never arrives.)

It depends. In some instances having a mortgage (which you continue to pay) can become a financial anchor that really complicates recovery because of an inability to pay that + transitional housing costs. So we find mortgages positively associated with long-term displacement, in some disasters.

Though ironically a lot of people with paid off mortgages (including those in generationally owned homes) drop their insurance coverage.

In the floodplain management world there is a really common communication phrase about there being a 25% chance of a 100-year flood during the life of a 30-year mortgage. Not sure how effective it has been but we keep saying it.