You're not an idiot, honey. *hugs*
Just call the police and tell them you've found your wallet (you shouldn't need to say where). There's a difference between reporting it lost and reporting it stolen (the former means that inherently there's a chance you could have found it again).
You didn't report it for no reason. At the time you believed it was lost. And technically, since you couldn't find it, it was.
I doubt the paperwork will have even moved in that time.
Then revel in the sense of relief that you may be feeling.

I'm glad you found it again, Nate.