FEMA does not require that a house be damaged or destroyed in order to qualify for aid. The fact that you live in a place that has been declared a Federal Disaster Area (which it has) and your house has become unlivable but is intact, is sufficient to qualify for disaster aid. How much and when is an entirely separate matter. In the end you may not get what you want or what you think you deserve. But if you don’t apply I can guarantee you will get nothing. So, apply to FEMA no matter your situation (see the FEMA menu item for contact information).
Based on my own experience, I recommend applying by phone if you haven’t applied yet. I found out today that the path my online application was taking was based on some answers that probably should have been different. That may cause some delay in a determination. I said, well I’ll just change my answer (truthfully) and the agent said it was too late.