greg keller and his wife own a red-tagged office building. it was supposed to be a significant part of their retirement income. >> it might be bigger mountain than i thought to climb. the front looks good, it's mainly a lot in the back. there's a lot of structure damage. thank god it's all facade. >> i'm hoping somebody steps in. fema, somebody steps in and we can get a loan. >> the city is confident that it can get survey done by tonight or tomorrow. they reported all but a handful of people in napa have the power restored. there's roughly 600 properties in the city without water. including 285 residents of mobile home park the city said water will be on by midweek. the fire department said the fire hydrants is unaffected by the water outage. the big question tonight where will the money come from to fix what has been damaged and for the moment, that is a question that nobody can answer with any certainty. we will be back at 5:00. they've got a live press conference from napa. we'll have it for you. reporting live from napa nbc bay area news

. >> greg keller is the building owner. >> it might be a bigger mountain than i thought to climb. >> reporter: keller was out of town when the quake hit. he asked his wife barbara to stop by to turn off the gas. >> i thought i was going to turn off the gas. it was a shock. >> the building was their retirement income. >> so i don't know do some cutting back and we'll just have to see what happens. i'm hoping somebody steps in, fema, somebody steps in and we can get a loan. >> inspectors say for many government loans are going to be the only way out from under the disaster. >> either have to retrofit them. that would be expensive. if we don't get a grant from the government or something like that fema or whoever will provide that. it'll have to come out of their pocket. >> reporter: at city hall before napa can aplay for federal aid they need to have an estimate of damage. >> we're going to properties quickly and doing an assessment and moving on to the next property. >> and they hope to have the entire city canvassed by tonight. it is a big job and they are trying to do it as quickly

in napa office building, greg keller got a red tag.was counting on rental income from the building to support his retirement. >> we're going take a hit and hoping fema will come through and we'll get money out of it to help get through this. >> reporter: schools in napa will be closed for a second day today as classroom cleanup continues. engineers finished inspecting two-thirds of the city schools and have found no structural damage. the principal of irene snow school. >> thank goodness it happened in the middle of the night. if people were here a lot more zach could have hatched. >> reporter: many here or still recovering. >> it was a very violent jerk. the power went off. i fell and something knocked me down and hit me in the head. >> reporter: she might have benefited from the early earthquake warning system that sounded an alert at the university of california berkeley. >> it's ten seconds before the ground shakes. that's the idea. we want to send this out to people's cell phones so that way they can take cover. >> reporter: there