HOWELL - The clock is ticking for New Jersey residents who sustained flood damage to apply for federal disaster aid. Lt. Gov. Kim Guadagno (R-N.J.) and Federal Emergency Management Agency (FEMA) officials toured a flood-damaged home in Howell today. Guadagno and FEMA are urging residents across the state to apply for aid. The deadline is Oct. 31. Forms can be filled out online or residents can call FEMA at 1-800-621-3362.