Ocean City, Md., Nov. 5, 2012 -- (from left) Terry McGean, city engineer for the Town of Ocean City, MD, Laurie Smith-Kuypers, natural hazards program specialist with FEMA, James Van Maren, Small Business Administration field inspector, and Jenny Baker, individual assistance specialist with FEMA, prepare to tour the town of Ocean City, MD, to look for damage from Hurricane Sandy. Photo by Frank Niemeir/FEMA