Hurricane damage -insurance only paying half. Help..

In Florida, 100% p&t DV. Had Hurricane damage to our house from Debby and Milton. Insurance is only giving 24k, but to repair flooring and master bathroom and few other things, it is going to cost 50-60k. Are there any low interest loans for home improvement? Think I missed the deadline for FEMA loan. I didn't even get the $700 from FEMA even with being in an evacuation zone and damages. Help? Any options??