{
    "last_updated": "2026-05-25",
    "claims": [
        {
            "id": "one_inch_damage",
            "label": "Average claim for 1 inch of water in a home",
            "value": 25000,
            "unit": "USD",
            "source": "FEMA / FloodSmart",
            "source_url": "https://www.floodsmart.gov/flood/facts-and-statistics",
            "note": "NFIP and industry summaries cite roughly $25,000+ for even shallow interior flooding."
        },
        {
            "id": "one_foot_damage",
            "label": "Average claim for 1 foot of water in a home",
            "value": 72000,
            "unit": "USD",
            "source": "FEMA / FloodSmart",
            "source_url": "https://www.floodsmart.gov/flood/facts-and-statistics",
            "note": "Depth drives structural, electrical, and contents loss."
        },
        {
            "id": "nfip_avg_claim",
            "label": "Average NFIP flood claim (historical)",
            "value": 52000,
            "unit": "USD",
            "source": "FEMA NFIP",
            "source_url": "https://www.fema.gov/flood-insurance",
            "note": "Varies by event; use as planning estimate, not guarantee."
        },
        {
            "id": "sandbags_per_6ft",
            "label": "Sandbags to cover ~6 linear feet at 12\u201318 in height",
            "value": 150,
            "unit": "bags",
            "source": "USACE sandbag guidance",
            "source_url": "https://www.usace.army.mil/",
            "note": "Labor-intensive; disposal and contamination add cost."
        },
        {
            "id": "barrier_reuse_life",
            "label": "Typical service life of aluminum modular barriers",
            "value": 15,
            "unit": "years",
            "source": "Manufacturer engineering data",
            "source_url": "https://www.floodbarrierpros.com/methodology",
            "note": "With proper storage and seal maintenance."
        }
    ],
    "calculator_defaults": {
        "depth_inches": 6,
        "square_feet": 1500,
        "contents_value": 40000,
        "structure_factor": 1
    },
    "depth_multipliers": {
        "1": 0.15,
        "3": 0.35,
        "6": 0.55,
        "12": 0.85,
        "24": 1.25,
        "36": 1.75
    }
}