Administrative cost can be reduced in order to increase the budget for relief funds. Paperwork reduction act can be applied towards relief application process. Liaison with organizations can help with tech access for citizens. Distribution of grants require field inspection and or investigation especially if subrogation is required with insurance companies. Shared expenses can be applied. I speak from experience that it didn't take much to survey Katrina zones to determine improper use of funds. A few interviews and a tank of gas. Assessing damages does require some funds but not much to blow a budget.