OP I'm sorry if I appear unsympathetic, I'm really not. Its a terrible situation, and I think everyone who has lost their family homes should have it rectified as close to like-for-like as possible.
The only reason for assuming you're catastrophising is what you've presenting as fact - the redress scheme will only cover 90% of the cost of building when it was built - is a much much worse scenario than what it currently being discussed. It seems very very likely that something much better will be agreed in the coming weeks.
If I'm honest, it seems to have been a 'tactic' of some of the campaigning groups to try to push the worst stories front and centre in the media and on messaging boards, while ignoring the fact they're negotiating position is that every buy to let landlord affected, or holiday homeowner, should be fully covered, and to reject the idea the government might undertake any cost cutting measures in the repair or rebuilding. So given how many misconceptions were in your first few posts, it seemed either you were misconstruing it, or were genuinely so freaked out you were allowing yourself to believe the worst case scenario.
I think its clear you are in a really bad place if you're at the point of moving out, that must put you in one of the most badly affected houses. And the stress of your husbands condition is really significant too. All I can say is, as much as you can, try to step back from the bigger picture. I was actually defending the 100% redress scheme to someone recently, because I do think people's own houses should be replaced. It can be frustrating seeing the negotiating position of the campaigners which I think is just setting people like you back. But most people in the country really do want people whose family homes have been damaged to have them put back how they should be.
I think its very likely there will be a decent redress scheme announced within the next few weeks, and hopefully that will include plans for how to house people unable to stay while work is undergoing. In an absolute worst case scenario, you do have options, as crappy as they may seem now. I know people who had to declare bankruptcy after the 2008 crash through no fault of their own, and they've all said the aftermath of that was actually much better than the stress. I would hope you can access HAP, and potentially rent, as a stopgap and that at a minimum government can put pressure on the banks to bring about mortgage holidays. Its a rubbish situation and I do hope its resolved soon