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CEDAR RAPIDS, Iowa (AP) - It's been a year since Cedar Rapids was hit by one of the most destructive natural disasters in U.S. history.

On June 13, 2008, the Cedar River topped its bank, engulfing about 10 square miles and swamping more than 5,000 homes.

While most residents have been able to rebuild or move on, many still wait for funds to get their lives and homes back.

For many, the emergency cash they received has dried up and long-term assistance has yet to kick in, leaving them holding mortgages for unusable homes.

The U.S. Department of Housing and Urban Development has announced $3.7 billion in new disaster grants for 11 states, including $516 million for Iowa.

That money will help, but Iowa's still far short of the $10 billion in aid state officials estimate is needed for recovery, including more than $5 billion for Cedar Rapids alone.