TRAVIS COUNTY, Texas — Victims of the Fourth of July weekend floods in Central Texas are racing against time as deadlines to apply for federal and local assistance draw near. But for many residents, navigating the aid process has proven to be a challenge in itself.

In Travis County’s Big Sandy Creek neighborhood, nearly 200 homes and structures were lost during the severe flooding that followed heavy rains on Independence Day weekend. Since then, county officials have been on the ground trying to connect displaced families with relief — but the system hasn’t been easy to access for everyone.

Ashley Willis, a resident who lost her home, car, business and pets, said she has had trouble with FEMA and insurance companies. Both her claim and her parents’ claim were denied by FEMA because of i

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