FILE - A boat sits amidst debris in the aftermath of Hurricane Michael in Mexico Beach, Fla. Oct. 11, 2018. FEMA announced Friday, Jan. 19, 2024, it is making changes to its program that helps those who survive wildfires, hurricanes and other natural disasters. The changes are designed to simplify and speed up the process for disaster survivors to get help, including include money for under-insured homeowners, a streamlined application process, and assistance for disaster survivors with disabilities. (AP Photo/Gerald Herbert, File)