Water damage restoration cost, state by state
One table, every market. The labor index is each state's blended restoration-trade wage (BLS 2025) against the BLS national mean — it scales every estimate on this site. Modeled budgeting range shown: 400 sq ft of Category 2 water across 2 rooms, normal working hours, drying included. NFIP columns are flood-claim context and never enter estimates.
| State | Labor index | Blended wage | Modeled 400 sq ft Cat 2 | NFIP claims since 2020 | Median paid flood claim |
|---|---|---|---|---|---|
| Alabama | 0.76 | $21.33/hr | $1,800–$4,400 | 4,781 | $23,231 |
| Alaska | 1.19 | $33.28/hr | $2,550–$5,900 | 143 | $28,847 |
| Arizona | 0.92 | $25.58/hr | $2,050–$4,950 | 425 | $20,000 |
| Arkansas | 0.76 | $21.18/hr | $1,800–$4,400 | 811 | $30,000 |
| California | 1.17 | $32.79/hr | $2,500–$5,850 | 3,671 | $38,414 |
| Colorado | 0.98 | $27.29/hr | $2,150–$5,150 | 314 | $7,446 |
| Connecticut | 1.05 | $29.41/hr | $2,300–$5,400 | 1,457 | $15,421 |
| Delaware | 0.89 | $24.99/hr | $2,050–$4,850 | 347 | $5,838 |
| District of Columbia | 1.12 | $31.22/hr | $2,400–$5,650 | 118 | $5,114 |
| Florida | 0.82 | $22.87/hr | $1,900–$4,600 | 152,728 | $42,024 |
| Georgia | 0.82 | $23/hr | $1,900–$4,600 | 3,065 | $20,411 |
| Hawaii | 1.23 | $34.25/hr | $2,600–$6,000 | 879 | $30,491 |
| Idaho | 0.96 | $26.8/hr | $2,150–$5,100 | 65 | $11,096 |
| Illinois | 1.26 | $35.35/hr | $2,650–$6,150 | 1,666 | $9,652 |
| Indiana | 1.00 | $28.11/hr | $2,200–$5,250 | 664 | $23,221 |
| Iowa | 0.96 | $26.9/hr | $2,150–$5,100 | 441 | $18,228 |
| Kansas | 0.90 | $25.03/hr | $2,050–$4,850 | 248 | $20,375 |
| Kentucky | 0.91 | $25.54/hr | $2,050–$4,900 | 3,903 | $30,000 |
| Louisiana | 0.81 | $22.59/hr | $1,900–$4,550 | 28,723 | $44,691 |
| Maine | 0.94 | $26.14/hr | $2,100–$5,000 | 1,118 | $25,535 |
| Maryland | 0.96 | $26.85/hr | $2,150–$5,100 | 1,787 | $12,047 |
| Massachusetts | 1.22 | $34.24/hr | $2,600–$6,000 | 1,131 | $12,880 |
| Michigan | 1.00 | $27.99/hr | $2,200–$5,250 | 1,889 | $10,150 |
| Minnesota | 1.21 | $33.72/hr | $2,550–$5,950 | 365 | $15,085 |
| Mississippi | 0.77 | $21.46/hr | $1,800–$4,400 | 2,702 | $17,983 |
| Missouri | 1.08 | $30.26/hr | $2,350–$5,500 | 1,865 | $22,869 |
| Montana | 1.01 | $28.37/hr | $2,250–$5,250 | 148 | $33,036 |
| Nebraska | 0.91 | $25.45/hr | $2,050–$4,900 | 125 | $19,668 |
| Nevada | 0.99 | $27.61/hr | $2,200–$5,200 | 120 | $15,797 |
| New Hampshire | 1.01 | $28.39/hr | $2,250–$5,300 | 494 | $19,043 |
| New Jersey | 1.28 | $35.84/hr | $2,700–$6,200 | 11,116 | $20,576 |
| New Mexico | 0.86 | $24.07/hr | $2,000–$4,750 | 555 | $35,417 |
| New York | 1.20 | $33.66/hr | $2,550–$5,950 | 9,380 | $16,620 |
| North Carolina | 0.83 | $23.12/hr | $1,900–$4,600 | 7,103 | $25,675 |
| North Dakota | 0.98 | $27.34/hr | $2,150–$5,150 | 92 | $5,501 |
| Ohio | 1.02 | $28.47/hr | $2,250–$5,300 | 1,422 | $12,801 |
| Oklahoma | 0.81 | $22.8/hr | $1,900–$4,600 | 391 | $30,106 |
| Oregon | 1.13 | $31.63/hr | $2,450–$5,700 | 332 | $19,592 |
| Pennsylvania | 1.03 | $28.71/hr | $2,250–$5,300 | 4,778 | $15,262 |
| Rhode Island | 1.11 | $31.06/hr | $2,400–$5,600 | 462 | $14,642 |
| South Carolina | 0.89 | $24.79/hr | $2,000–$4,850 | 3,838 | $18,705 |
| South Dakota | 0.84 | $23.6/hr | $1,950–$4,700 | 110 | $29,583 |
| Tennessee | 0.93 | $25.95/hr | $2,100–$4,950 | 2,387 | $27,000 |
| Texas | 0.83 | $23.34/hr | $1,950–$4,650 | 13,335 | $54,250 |
| Utah | 0.92 | $25.76/hr | $2,100–$4,950 | 141 | $6,993 |
| Vermont | 0.95 | $26.49/hr | $2,100–$5,050 | 953 | $27,567 |
| Virginia | 0.84 | $23.46/hr | $1,950–$4,650 | 1,657 | $11,764 |
| Washington | 1.20 | $33.57/hr | $2,550–$5,900 | 2,218 | $36,424 |
| West Virginia | 0.86 | $24.03/hr | $1,950–$4,750 | 1,176 | $17,157 |
| Wisconsin | 1.09 | $30.54/hr | $2,350–$5,550 | 940 | $15,148 |
| Wyoming | 0.88 | $24.56/hr | $2,000–$4,800 | 22 | $18,087 |
Sources: BLS OEWS 2025 mean hourly wages · FEMA NFIP redacted claims (losses 2020+) · model assumptions on the methodology page. Updated 2026-08-15.
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