I own a small apartment house in Asheville. It doesn't make much money, I mainly do it to maintain my connection to the community and have a place to stay, all the rents are below market and I have a diverse group of folks there. I'm proud I'm able to participate in this way.

Lots of trees came down in the yard, thousands of dollars in damages, from Helene. I called FEMA. Their response was it's not your primary residence, no love. What about the other tenants? Common areas are not 'primary residences.' So I expressed some frustration, and the FEMA person really sucked at their response.

They said it was totally fair that I should be responsible, out of pocket for trees. I asked why that was? Their reponse was "this conversation is over," and they hung up. The answer from a decent person would be, I understand your frustration, but FEMA isn't set up to handle this circumstance. Please reach out to SBA.

Here's why this sucks. If I were a recent transplant to Asheville with my multimillion dollar single family residence right next door to my apartment house, thousands of dollars would flow to you from FEMA for your tree damage. I, and my low income tenants, get squat. That is a shameful misallocation of resources.

I've looked, and there is apparantly no assistance to folks in my situation (and nothing available to my tenants). Had the consequences been worse, I would be forced to sell my property, and five decent, hardworking folks would now be forced to find substandard housing. What a world we live in.