I don't think there is anything "typical" when it comes to these situations. While FEMA might pay for hotel stays, they also might provide people with trailers like after major hurricanes. Additionally, the per diem rates that FEMA and/or insurance companies pay might be too low for some hotels. As private companies, hotels aren't obligated to drop rates and take in disaster victims.

At this point, it's far to early to know what might happen at any given hotel.