Flood Damage Estimator Calculator

Estimate residential flood damage from flood depth using USACE depth-damage curves, including structural, contents, remediation, and insurance gap.

Flood depth (ft)

Home value ($)

Floor area (sq ft)

Foundation type (0-3)

Contents value (% of home)

Flood insurance (0/1)

Tab to move between fields

Total damage estimate ($)

$124,875

Structural damage ($)$59,375

Structural damage (%)23.8

Contents damage ($)$37,500

Mold remediation ($)$18,000

Drying & pumping ($)$10,000

Est. insurance payout ($)$0

Out-of-pocket cost ($)$124,875

Effective flood depth (ft)2

How to Use This Calculator

Enter Flood Depth (ft) — use the water mark height above the lowest finished floor.
Input Home Value and Floor Area (sq ft).
Select Foundation Type (slab, crawl space, basement, or pier) — basements suffer higher losses.
Enter Contents Value as a percentage of home value and toggle Flood Insurance.
Review Total Damage Estimate, Structural Repair Cost, and net out-of-pocket after insurance.

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