CHHUMBER, Pakistan-controlled Kashmir (CNN) -- Dozens of villages containing hundreds of thousands of people have received little or no aid nearly four weeks after a devastating earthquake hit Pakistan and India.With the official death toll in Pakistan alone now topping 73,000, questions are being asked about the pace of relief efforts and the lack of international aid flowing to the region.An estimated 3.3 million people remain homeless as winter approaches in the mountainous Kashmir region, raising fears of an even worse humanitarian disaster to come.Apart from an aid shortfall, the region's challenging terrain is hampering the relief efforts.In the remote Pakistan village of Chhumber, devastation accompanies desperation as temperatures drop to freezing and the first snows of winter threaten. Since the 7.6 magnitude earthquake struck on October 8, this village has had to survive on the occasional food drop by helicopter and minimal supplies delivered via the rough and treacherous mountain road."My future is black," one woman said. "I lost my husband, I have no home, no blankets, no tent and the snow is coming."Another woman had had two of her children die but she cannot afford to think too much of them. Her concern now is for her baby and her young boy who has a broken arm that needs attention."It is painful, it is tragic. There are no words that can describe this," Javed Rathore said.Rathore, who has returned to his home village from the U.S. to help with the relief effort, urged the Pakistan government and the international community to do more."I don't know how these people will survive. They have nothing," he said.It is a scene repeated across the region.The quake affected more than 2,775 villages, 41 of which have not yet been reached, Pakistan's Maj. Gen. Farooq Ahmad Khan said Wednesday.Another 69,000 have severe injuries, according to the general.Top U.N. relief coordinator Jan Egeland said Wednesday, "there are many thousands, potentially tens of thousands, up there in the mountains that are wounded we haven't gotten to."A "second wave of death" could come from "people who could freeze to death, starve to death, or just be sick because of infected water," he said according to a report from The Associated Press.U.N. officials say money for distribution of relief supplies is running dangerously low. Donors have pledged $131 million of the $550 million sought by the United Nations for emergency quake aid.Egeland said international aid for the quake relief had so far been far less than what it was following last year's Indian Ocean earthquake and tsunami, which killed 178,000 people and left an additional 50,000 missing.Pakistani President Pervez Musharraf told media Wednesday his government was giving money to victims and survivors to help rebuild their homes and their lives.Musharraf also said the government was finding new sites for villages that were destroyed."I have tasked the earthquake reconstruction and rehabilitation authority to identify which are the villages that need to be totally rebuilt, so we find a new site for that village," the president said."Leaving them aside, in the partially destroyed villages and people in mountains we need to make sure that they reconstruct their houses immediately," he added.Apart from Pakistan, Indian authorities have blamed the quake for another 1,200 deaths in Indian-controlled Kashmir.CNN Correspondent Stan Grant and Producer Syed Mohsin Naqvi contributed to this report. Copyright 2005 CNN. All rights reserved.This material may not be published, broadcast, rewritten, or redistributed. Associated Press contributed to this report.