Okay, here is a new point of view.
Let's say that new building standards and codes are adopted before any
reconstruction can occur.
Due to hazardous waste contamination, nothing can be rebuilt until the
site is completely decontaminated.
How long is it going to take to decontaminate the affected area?
Next, insurance is going to be insufficient to rebuild new structures to
the new code. Is the federal government going to issue loans for the
difference? Or, are the owners going to have to come up with the extra
cash?
This is going to take a LONG time!