Short answer — you!
There have been successive years of big billion-dollar disasters. Last year it was big hurricanes and a California fire. 2018 saw storms, two hurricanes and big California fires. See After year of deadly wildfires, who will pick up the tab for natural disasters?
The disaster costs are mounting and how we pay for disasters will be debated more in the near-term. Every nickel and dime flood does not have to be a presidentially declared disaster, and states have to wise up as to building codes and land use policy. Leaving it to local jurisdictions may absolve them of blame for the cause, but not the costs of disasters.
Watch for more on this debate in 2019, once "the Wall" is settled (should it ever be settled).