Flooding can create a lot of problems and headache for individuals and their families. Excess stormwater can cause havoc on home property and build up substaintial costs in damages. This insurance calculator provided by floodsmart.gov gives an estimate of just how much the destruction of your property due to flooding could cost you[22]. This is strictly for a home and does not account for the cost of a vehicle and other personal property outside of the home. Depending on the area of the home, even a 1 inch flood can cause up to $20,000 in damage. Areas that flood frequently, like Harris County, have a large flood insurance industry.