It seems like you can’t turn on the TV without seeing some sort of disaster destroying communities, whether it’s a hurricane, earthquake, or wildfire. When disasters hit, families across the country work hard to rebuild their communities and re-establish their businesses. But government regulations get in the way, costing billions of dollars and risking too many lives.

Last year, 8 percent of the U.S. population was affected by at least one disaster. That’s 25 million Americans. During that one year, tens of billions of taxpayer dollars were spent on helping those people recover from the damage done by disasters, including Hurricanes Irma, Harvey, and Maria, and the wildfires on the West Coast. This year, the Federal Emergency Management Agency received more disaster assistance registrations than for Hurricanes Rita, Wilma, Katrina, and Sandy combined.