How does donating locally do anything to help folks who lose everything in a catastrophic disaster such as a hurricane, major earthquake or flood that wipes out a huge territory.
That's why you donate locally.
My contribution can be seen in my community.
I lived through Harvey, i spent every weekend helping people and gave more money to help families than any charity did per family. And i saw it working in action.
That same amount i donated only covers a few packages of water/food shipped to an out of state disaster. Because they pay a premium for shipping.
Plus, natural disaster relief is handled by the government if it is a catastrophic event. Unless you are talking about Haiti and Puerto Rico, where millions are sent and squandered by their own government.
The people in my area who need food and blankets i can give personally. I can personally supply several children in poor families with a wonderful gift that matters. No cheap blankets that aren't warm enough to help and children's clothing that is the wrong size.