Abstract: A protective pouch apparatus includes an outer pouch having a continuous sidewall with an open end and a closed end. An inner pouch is applied to the outer pouch and includes a continuous sidewall with an open end and a closed end. The outer pouch is constructed of a material having a water-resistant and a fire-resistant material characteristic, and the inner pouch is constructed of a fabric having an insulative material characteristic. Seams are formed in the sidewalls of each of the inner and outer pouches between the respective open and closed ends. When the inner pouch is applied to the outer pouch such that the inner pouch is nested within the outer pouch, the seam in the inner pouch is offset from the seam in the outer pouch.