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Calcimator

Flood Damage Estimator Calculator

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

Inputs

%

Results

Total damage estimate ($)

$124,875.00

≈ 8 used cars

Structural damage ($)$59,375.00
Structural damage (%)23.8
Contents damage ($)$37,500.00
Mold remediation ($)$18,000.00
Drying & pumping ($)$10,000.00
Est. insurance payout ($)$0.00
Out-of-pocket cost ($)$124,875.00
Effective flood depth (ft)2
How to Use This Calculator
  1. Enter Flood Depth (ft) — use the water mark height above the lowest finished floor.
  2. Input Home Value and Floor Area (sq ft).
  3. Select Foundation Type (slab, crawl space, basement, or pier) — basements suffer higher losses.
  4. Enter Contents Value as a percentage of home value and toggle Flood Insurance.
  5. Review Total Damage Estimate, Structural Repair Cost, and net out-of-pocket after insurance.

How the result changes with Flood depth (ft)

Flood depth (ft)Total damage estimate ($)
2$124,875.00
7$308,175.00
13$422,250.00
18$422,250.00

What each input means

Flood depth (ft)
Depth of floodwater above ground level in feet.
Home value ($)
Current market value of the home structure.
Floor area (sq ft)
Total floor area affected (for remediation cost estimates).
Foundation type (0-3)
0=Slab-on-grade, 1=Crawlspace (-1 ft), 2=Elevated/pier (-3 ft), 3=Basement (+50% damage).
Contents value (% of home)
Value of furnishings and belongings as percentage of home value.
Flood insurance (0/1)
0 = No flood insurance, 1 = Has NFIP flood insurance.

What each result means

Total damage estimate ($)
Total estimated damage including structure, contents, and remediation.
Structural damage ($)
Estimated structural repair cost.
Structural damage (%)
Structure damage as percentage of home value (USACE depth-damage curve).
Contents damage ($)
Estimated cost to replace damaged contents.
Mold remediation ($)
Estimated mold remediation and treatment cost.
Drying & pumping ($)
Cost for water extraction, drying, and dehumidification.
Est. insurance payout ($)
Estimated NFIP payout (max $250K structure, $100K contents).
Out-of-pocket cost ($)
Estimated costs beyond insurance coverage.
Effective flood depth (ft)
Flood depth adjusted for foundation type.

How this is calculated

Worked example, using the default values

  1. Identify Input Parameters
    4 parameters
    Flood depth (ft) = 2, Home value ($) = 250000, Floor area (sq ft) = 2000, Foundation type (0-3) = 0 = 6 input(s) provided
  2. Calculate Total damage estimate
    Total damage estimate = structuralDamage + contentsDamage + moldRemediationCost + dryingCost
    124875 = $124,875
  3. Calculate Structural damage
    Structural damage = homeValue * (structuralDamagePct / 100)
    59375 = $59,375
  4. Calculate Structural damage
    Structural damage
    23.8 = 23.8

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