Agree 100%. Evacuation is evacuation- as quickly as possible without trampling someone else in the process.
Two weeks ago a guy died in a flood in Brooklyn. Torrential rain, he had safely evacuated, but went back for his dog. Just the saddest story.
I cannot imagine telling my kid to grab his wallet or passport or laptop. GET OUT, insurance or no insurance.
But good reminder for people– before your kid leaves for college, sit down and photograph/scan driver’s license, passport, any other documents the kid is taking with them. I replaced a lost passport in 48 hours when I sent over the PDF of my original (admittedly, the federal government was not shut down at that point). The very nice State Department professional who helped me said that the process takes 4-6 weeks if all you can give them is your social security number, DOB, etc. The picture page with the electronic scan- provide that and you’re good to go.