Why not think of the possible here, instead the impossible?
How I help my neighbore already:
Wildfire burned down her house last summer, she got away with the cloth she wore, her purse and the car.
Everything alse went up in flames.
We took her in, she lives in our daughter's room and now we build her a house on her property.
Having an unexpected house guest for nearly one year is a strain on everything, including relationship.
The moral of the story: get insurance!!
It DOES pay!!