For the IRA, you will have to pay income taxes on any distribution. The key is whether you can avoid the 10% penalty. The rules are in publication 590. http://www.irs.gov/publications/p590/
Generally there is a 10% penalty if you withdraw money before you are 59 1/2. Even if you receive a distribution before you are age 59½, you may not have to pay the 10% additional tax if you have unreimbursed medical expenses that are more than 7.5% of your adjusted gross income. As you mentioned, there is a disability exception, but it has pretty onerous requirements.
Also, even if you are under age 59½, you do not have to pay the 10% additional tax on distributions that are not more than:
-The amount you paid for unreimbursed medical expenses during the year of the distribution, minus
-7.5% of your adjusted gross income for the year of the distribution.
You can only take into account unreimbursed medical expenses that you would be able to include in figuring a deduction for medical expenses on Schedule A, Form 1040. You do not have to itemize your deductions to take advantage of this exception to the 10% additional tax.
I don't know if this will help, as it requires significant medical expenses.
One more thought on the IRAs--if you made contributions in 2005, I think you have up until your tax returns are due to remove those contributions.
Your 401(k) plan may allow hardship withdrawals, but I think
the 10% penalty is still due. Therefore a loan probably makes more sense.
I don't know if there was any hurricane relief for the storms you mentioned.