DisasterInsight: A Multimodal Benchmark for Function-Aware and Grounded Disaster Assessment

Vision--language models (VLMs) show promise for disaster-response remote sensing, but existing benchmarks mainly emphasize scene-level or damage-centric assessment. To study this building-centric gap, we introduce \method{}, a diagnostic benchmark built on xBD, a pre/post-disaster satellite dataset with building-level damage labels. \method{} enriches building instances with OpenStreetMap-derived functional labels and contains 134{,}108 task-specific instruction records across 15 task types, spanning instance-level assessment, scene-level counting, multi-instance reasoning, and structured report generation. The benchmark supports RGB pre/post-disaster imagery, single- and multi-view instance formulations, and scene-level RGB/SAR diagnostic inputs. Experiments with general-domain and remote-sensing VLMs show that models perform better on visible damage cues than on building-function understanding, multi-instance reasoning, counting, and grounded reporting. Instruction tuning improves performance on several tasks but does not close this building-centric gap.