“If you have insurance and are applying for FEMA disaster assistance, you must file a claim with your insurance company first," according to the agency. “By law, FEMA cannot duplicate benefits for losses covered by insurance. If insurance does not cover all your damage, you may be eligible for federal assistance,” they added.

FEMA opened two disaster recovery centers to help Los Angeles wildfire victims get help for immediate and long-term needs. Here's what you need to know.