Just curious: What exactly does a libertarian's version of disaster relief look like?

[exboyfil]

30. The government?

Actually all of the property holders in a community get together and decide to contract for the services noted in 1) and 2) based upon a mutually agreed upon formula.

In other words you never get past the first step. Try to get two Libertarians to open their wallet for each other let alone for a community.

I guess some independent third party could do studies on "spec" and offer to sell the information or the insurance. Getting independent verification of the credit worthiness of the party selling the insurance (and the actual need) might be tricky.