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What you report is very aggravating, especially since not being "low" income can mean that you had a dollar income above the limit as opposed to a dollar below. And, as you say you could have had income in 2012 and none in 2013. As to running out of money, the money appropriated was just an initial appropriation with more available they said if necessary. So I don't know how they can run out of money. I hope that the person you spoke with was wrong. If not, I will have to sell my home, bought by my grandparents when it was originally constructed in the 1920s. And although I have lived in Long Beach all my life, I will have to say goodbye. It was usually people who lived in Long Beach for decades who did not have flood insurance because their homes had never flooded despite many hurricances.