You raise several points.
First of all, people don't always have the right information. There are so many different programs that the problem can often be attributed to the difficulty involved in finding the right one rather than to a lack of available funding. If we had a single window, for example, and someone could tell us which program suits us, that would simplify matters. Right now, we really have to sift through the programs and do some research, and that's difficult.
In addition, Canadian and Quebec governments have a special relationship regarding most federal-provincial programs and agreements. Federal assistance first has to go through the province before it reaches the municipalities, which makes no sense. The process should be reviewed in short order.
On the other hand, I believe there's a lack of knowledge of the programs that are available to the municipalities. People are poorly informed. The fact nevertheless remains that there's much to be done to assist and guide the municipalities.
Getting back to adapting to climate change, what do we do when we see municipalities being impacted by floods now? Do we demolish half of the city because it has been affected, or couldn't we build a levee instead? Incidentally, a temporary levee has saved the municipality on two occasions. However, Environment and Climate Change Canada prohibits them from being built.
What do we do when a seniors centre, for example, or a school with 5,000 students has to be protected? There will have to be a little more flexibility in that regard if we really want to adapt to climate change. We won't cause any more damage if we build a levee to protect the city.