What would be considered a disaster in 2019-2022? Would the extra money we got be considered?

[xmasbaby0]

What question are you trying to answer?   If it is asking you about taking out money from a retirement account for a disaster, it is asking if you took money out of a retirement  account like an IRA or 401k.   It has nothing whatsoever to do with stimulus checks.

[NCperson]

you can use this search tool to determine federally declared disasters.....

https://www.fema.gov/disaster/declarations

[Opus 17]

COVID was not a disaster for this question.

If you withdraw money from a qualified retirement account to pay expenses related to certain qualifying disasters, that withdrawal is subject to special rules for either repaying the retirement account or paying tax on the funds.  Federally declared disasters typically include major storms like hurricanes and tornado outbreaks, wildfires, earthquakes, and so on.  Withdrawals due to expenses of COVID are not disasters for this rule, COVID withdrawals are covered under a different set of rules, and the law specifically excludes COVID from the "normal" disaster rules.