Categories: Letters to the Editor, OpinionFind hope in others sharing my viewsI have come to realize that the pro and anti-Trumpers are well ensconced in their opinions and I try to respect that. For myself, who is practically daily in awe of the things he and his administration say and do (and I mean negative awe), it is hard to believe that society has evolved to this point.That being said, my purpose for writing it to thank other letter writers, columnists, cartoonists and late-night TV show hosts for helping me feel there are others out there who share my viewpoint.It gives me hope that America will continue to be as great as it always has been.Ethel RobinsonSchoharieGrateful for work on Niskayuna Co-opWe attended the Niskayuna Co-op membership meeting on Jan. 7 and have been co-op members for over 20 years. Despite challenges, it is clear that the co-op is moving in a positive direction. It is also clear that change is hard, especially for employees and customers who have been doing things the same way for decades.However, we believe that the changes create opportunities to grow the co-op brand to reach new audiences.We were impressed with the work of co-presidents Sarah Bilofsky and Sunny Lee, as well as the entire board, and left with the feeling the co-op is in good hands.They understand the role of the market and its importance to the community.The interim general manager has moved quickly to learn about us and make positive changes. The meeting allowed for a critical conversation with a broad audience and allowed everyone to feel heard.Thank you to the staff for making the Niskayuna Co-op the wonderful institution it is and thank you to the board for working so hard to keep it thriving for years to come.Bill and Jennifer WilkersonNiskayunaFEMA individual flood aid is limitedWhile I share The Gazette’s concerns for the victims of the 2019 Halloween flood (Jan. 8, “FEMA must help flood victims”), it is misleading to expect FEMA to make people whole again, even if individual assistance was approved. Readers should be aware that individual assistance grants are very limited in scope.The maximum amount of assistance is under $35,000. The average grant is less than $8,000.The program is meant to cover short-term rent and utilities and some uninsured damage. For people who do not have flood insurance, additional assistance from the federal government is only available in the form of a Small Business Association loan.The federal law establishing the individual assistance program was not designed to make people whole or to rebuild ruined houses. And typical homeowner’s insurance policies exclude damages from floods. Only a flood insurance policy, either through FEMA’s National Flood Insurance Program or through a private insurance company, will cover flood damages. Flood insurance is expensive, but much less expensive than rebuilding your home after a flood.Tax dollars should not be used to repair buildings, only to see them flooded again. Government assistance should instead be used to help elevate or buy out flood-prone homes so that damages are not repeated, and further taxpayer expenditures are not needed.Homeowners and renters must take responsibility for their own risk by purchasing a flood insurance policy.To find out if you are in or near a flood zone, google “FEMA Map Service Center.”William NechamenSchenectadyMore from The Daily Gazette:EDITORIAL: Urgent: Today is the last day to complete the censusEDITORIAL: Take a role in police reformsHIGH NOTES: PPEs, fighting hunger, backpacks and supplies for kidsEDITORIAL: Thruway tax unfair to working motoristsEDITORIAL: Make a game plan for voting. Do it now.