FEMA is only for managing the emergency (usually natural disasters, but it’s also for man made ones like damn breaks or things like the train derailment in Ohio a few years back).

The damage is supposed to be covered by insurance, which is largely private except in places like Florida where most private insurers have left because it’s not wildly profitable viable, and only a public insurer exists.

I don’t know of any states working on this, but MA, Virginia, and North Carolina all have capes and peninsulas full or residents and homes that are at great danger in the future (if not already. Florida is obvious too, but they are actively doing the opposite by incentivizing (and legislating) people to ignore climate change.