WASHINGTON — Most American households say their finances have strengthened slightly, but nearly half report that they would struggle to meet $400 in expenses from an unexpected emergency.

The Federal Reserve survey, conducted in October and November, found that 69 percent of those responding reported that they were either “living comfortably” or “doing ok.” That’s up from 65 percent in the 2014 survey and 62 percent in 2013.

However, 31 percent, or approximately 76 million adults, said they were either “struggling to get by” or were “just getting by.” And 46 percent said they would have difficulty covering an emergency bill of $400.