FARGO (AP) - Officials with the Federal Emergency Management Agency say some Northwood residents may be eligible for individual assistance even if they were turned down the first time.

Several residents affected by the Aug. 26 tornado received letters telling them they were ineligible for money because they were well-covered by insurance, said FEMA spokeswoman Barb Sturner.

"That letter may not be the last word," Sturner said. "It's a tricky area, but some people may still qualify."

The tornado killed one person, injured 18 and destroyed much of the town, including the high school. Most of the Northwood students are attending school in Hatton.

FEMA has given grants totaling about $340,000 so far, Sturner said. An additional $1.4 million has been approved for Small Business Administration loans, she said.

The deadline to apply for federal assistance is Nov. 13, Sturner said. The deadline to apply for disaster unemployment assistance is the end of the day today, she said.

"It's critical that people understand there is a deadline," Sturner said. "Some people may be waiting until their insurance is settled to apply for help. We don't want them to do that."

FEMA cannot pay the balance between the rebuilding costs and insurance coverage, Sturner said.

"That's not what federal disaster housing assistance is for," she said. "We want to get them into safe and secure housing, and to get them started."