New York, N.Y., Dec. 11, 2012 -- FEMA Federal Coordinating Officer Michael Byrne, second from right, and State Department of Financial Services, Senior Advisor to the Superintendent, Martin Schwartzman, second from left, talk to local residents after a town hall meeting held with local, state and federal officials at public school 277, to discuss issues surrounding the Gerritson Beach community. Residents who have not yet applied for assistance and were impacted by Hurricane Sandy are encouraged to apply for assistance. Jocelyn Augustino/FEMA