World class city, architecture, food , entertainment, nightlife and the Cubs!

Some note holders will require them to be at least 60 days late at closing, bit not all.

In their policy it says that if Citizens does not have sufficient financial resources to meet the obligations after a major hurricane all Citizens policy holders will be required to pay additional surcharges and assessments over and above their policy premium which could exceed 45% of the annual premium. 

The 1st lien holder has yet to initiate any action as of yet.

It's not a good scenario for mortgage lien holders. 

Call title companies and ask what fees are customary and who pays them, that will be different from one area to another, need to know local customs.Some (many) Realtors won't deal with cheap houses, if they do they may charge 10% on the sale price instead of the customary 6%, getting 6% and splitting that between two Realtors, buying and listing, on a 30K sale won't make a car payments and buy food after taxes

Or would that have to be something the mortgage holder would have to do?

A title search is essential to avoiding surprises.The only accurate source of information is the lender or lien holder.  

Or buy storable food, guns and ammo if that's truly what you're worried about.

Again, a grocery store may be easily converted into a retail department store type thing, but a grocery store going into a building that simply has open space can be very costly due to plumbing and food storage equipment.