In their latest damage tour Tuesday, Red Cross officials say 209 homes were destroyed in Creek County's fire.
Oklahoma's Insurance Commissioner John Doak believes more than half of those residents don't have insurance.
Oklahoma officials say help is coming, but it's later this week.
State emergency teams are going to be on the ground counting how many homes are lost. After tallying the numbers, state officials will apply for FEMA assistance.
Here's the critical part: uninsured residents must call the Red Cross and tell them where a damaged or destroyed home is located. This is so the state counts each home.
If not, there may not be enough damage for FEMA to hand out money.
2News reporter Liz Bryant found Lloyd and Kimberly Drake at one of the distribution centers picking up clothes.
Lloyd Drake says the couple was looking into renter's insurance just a month ago because they got new furniture. They decided not to purchase it because it was too expensive and Lloyd's on disability.
Now, the couple has nothing left except their pickup truck they used to escape in the fire.
Lloyd said he paid his rent the same day his trailer burned down.
"We need FEMA in here because we need a place to live," he said.
Deputy Director of Oklahoma's Emergency Management Michelaan Ooten said, "I know it takes longer than people would prefer but it's simply a process we have to work through."
For Kimberly, picking out clothes at a distribution center stirs up tears and reminds her she has nowhere to hang them.
While waiting for approval from FEMA, state leaders recommend fire victims turn to churches and ministries for help.