Flood risk, local cost data, climate factors, and insurance context for your ZIP code.
Flood Risk
Medium
Cost Range
$1,400–$7,500
Avg Response
42 min
NFIP
State participates
Lake Ontario lake-effect snow (second snowiest large US city); Genesee River runs through downtown with historic flooding records; aging housing stock (60% pre-1960) has galvanized plumbing near end of life; spring flooding from snowmelt is an annual event in low-lying neighborhoods
Flood-prone areas: Corn Hill, Plymouth Avenue corridor, and Genesee River adjacent properties face highest spring flood risk; downtown riverside districts flood regularly during high water events
Extraction & drying cost per square foot by IICRC water category
| Water Category | $/sq ft |
|---|---|
| Category 1 — Clean Burst supply line, clean appliance overflow | $2.34–$6.53 |
| Category 2 — Gray Dishwasher, washing machine, toilet bowl (no feces) | $6.53–$7.91 |
| Category 3 — Black Sewage backup, floodwater, toilet overflow with feces | $9.28–$12.1 |
Estimates exclude reconstruction (drywall, flooring replacement). National benchmarks: Cat 1 $3.75–$4.25, Cat 2 $4.10–$6.50, Cat 3 $7–$7.50/sq ft — adjusted for Rochester market (2.75–11/sq ft range).
