Under these circumstances, it is o.k. to tap into your 401(k).

If you have been impacted by Hurricane Irma and are short on cash, this may be the one time to use your 401(k) as a piggy-bank. Storm victims will be allowed to tap into their 401(k) accounts under the hardship withdrawal rules if they have been affected by flooding and destruction by the hurricane. Additionally, the IRS is waiving the 6 month ban on making new contributions to your 401(k) that typically go with a hardship withdrawal. Distributions must be made no later than January 31, 2018.
This is an example of how the IRS can be your friend in a time of need.

disclosures:http://www.hechteffect.net/?page_id=31