Basement Flood Mitigation ROI Planner

Estimate how quickly a sump pump, drainage upgrade, or flood barrier pays for itself by comparing residual loss exposure, premium adjustments, and the amortized cost of the project.

Upfront spend for sump pumps, drainage upgrades, waterproofing, and backup power components.
Sum your deductible, cleanup, drying, temporary housing, and uninsured personal property costs per event.
Likelihood of a flood loss in any given year using FEMA maps, historical incidents, or insurer scoring.
Optional. Leave blank to omit insurance premiums if you self-insure.
Optional. Enter the insurer’s premium reduction once mitigation is installed; blank assumes no discount.
Optional. Leave blank to amortize the project over a default 10-year service life.
Optional. Percentage of deductible-level losses you expect mitigation to eliminate; blank assumes 80%.

Educational information, not insurance advice.

Examples

  • $4,500.00 project, $5,000.00 deductible hit, 25.0% claim odds, $900.00 premium, 10.0% discount, 12-year life, 85.0% loss reduction ⇒ Result: $777.50 annual savings
  • $3,200.00 project, $3,500.00 deductible hit, 12.0% claim odds, $650.00 premium, no discount, 10-year life, 65.0% loss reduction ⇒ Result: -$47.00 annual savings

FAQ

How do I estimate claim probability?

Leverage FEMA flood maps, municipal records, insurer risk scores, or smart-sensor history to approximate the annual probability of a basement loss.

What goes into the out-of-pocket amount?

Combine your deductible with uninsured cleanup, drying, temporary housing, and personal property replacement costs to reflect the total per-event impact.

Can I test multiple projects?

Yes. Rerun the calculator for each mitigation option—primary pump, battery backup, French drain, or waterproof coating—to rank projects by expected savings.

How are premium discounts handled?

Enter the insurer’s premium reduction after mitigation. Leave it blank if your provider will not adjust the annual premium.

Additional Information

  • Annual savings equal the cost of insurance alone minus the blended cost of premiums, mitigation amortization, and residual risk.
  • Service life amortizes your project so durable systems with longer lifespans display greater annual savings.
  • Loss reduction indicates the share of deductible-level losses you expect the project to eliminate, improving payoff speed.
  • Negative outputs signal that mitigation costs more than it saves for the probability assumptions selected.

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