Flood damage cost
Last updated: 2026-05-25
Key facts
- Average claim ~$25,000+ for 1 inch of water in a home. (FloodSmart)
- ~$72,000 average for 1 foot of water. (FloodSmart)
Even one inch of water can destroy flooring, cabinets, and electrical systems. Use our calculator for scenario planning.
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