Flood damage cost
Last updated: 2026-05-25
Flood damage varies with depth, duration, contaminated water, building materials, contents, utilities, and local repair costs. Use our calculator for scenario planning, not as an insurance estimate or prediction.
Frequently asked questions
Is this an insurance quote?
No—planning estimate only.
How does depth affect cost?
Non-linear—structure and contents losses accelerate after a few inches.
Should I still buy NFIP?
Insurance and barriers are complements—see insurance vs protection.
What about garage-only flooding?
Lower contents value but structural repairs still costly.
Run a scenario?
Use the damage calculator.
Data sources
Related guides
Get a measurement and quote for your openings.
Protect before damage