What must a disaster victim provide when applying for FEMA insurance assistance?

When applying for FEMA insurance assistance, a disaster victim must provide proof of insurance settlement or denial. This requirement is critical because it helps FEMA determine the eligibility for assistance and the extent of financial need. By reviewing the insurance settlement or denial, FEMA can assess what assistance, if any, the individual may still require after any insurance payouts have been taken into account. This step ensures that federal resources are allocated effectively to those who truly need additional support after disaster impacts.

Other documentation, such as proof of residence or proof of national citizenship, while important for other aspects of assistance, do not directly determine the applicant's eligibility for insurance assistance itself. Proof of employment may not be relevant in this context, as FEMA's focus is primarily on the financial implications of the disaster, rather than the individual's employment status at the time of application. Thus, providing evidence of insurance matters most because it clarifies the financial picture and helps FEMA tailor assistance effectively.