Ok, this may sound cray cray but I've been thinking about this on & off all day. What if Trump knows they are trying to cause massive weather damage in DC & he's trying to minimize the number of homeless people's death? he wouldn't want to cause panic but he's also not heartless. Finding out what's underneath in the Smithsonian tunnels could also be a concern if they are expecting unprecedented flooding.
Insurance is not a savings account, you are purchasing risk mitigation.