Hawaii is facing a $1 billion recovery bill after four disasters in a single year, a heavy hit for thousands of families still out of their homes.

• A Kona low storm, a Hawaii Island earthquake, and two hurricanes damaged homes, schools, roads, and other key infrastructure.
• 5,000 households applied for help; only about a quarter have been fully matched with what they need.
• The state has more than doubled its disaster case managers to clear the backlog of applications.
• Families can get up to a year of rental help and up to $25,000 to repair damaged homes.
• Governor Josh Green is ready to pull hundreds of millions from the state's rainy day fund to keep the money flowing.

Outlook: Hawaii will keep chasing federal aid and insurance payouts, but recovery for many families will stretch well into next year.