TOMS RIVER, N.J. (PIX11) -- Two years ago, no one could have predicted the damage caused by Hurricane Sandy.
"We expected to be back in three days," said Ortley Beach resident Robert Veracca. "I think it took us maybe two months to be able to come back here, and gather up our things."
According to Governor Chris Christie's office, more than $1 billion in Federal housing assistance is out the door or in the pipeline to Sandy-impacted families.
Driving around Ortley Beach, we saw damage still, and homes undergoing repairs on the eve of the two-year anniversary.
Toms River Mayor Thomas Kelaher told us recovery has happened here, but for many residents it is still taking place for many different reasons.
"Ann, on any given street you can have six reasons why it's not rebuilt yet," said Kelaher.
According to Toms River officials, 10,500 homes were impacted by Hurricane Sandy including 2,000 homes in Ortley.