Flood cleanup in Longmont costs about $13,000 in 2026

What moves the price

• Flood water is black water, every time. It has crossed roads, lawns and drains before it got through your door. HomeGuide charges black water extraction at $9 to $12 a square foot, the highest rate on the sheet.
• Everything soft is thrown out. Carpet, pad, insulation, particle board, mattresses, upholstered furniture. None of it can be made safe after black water, so the skip hire and the haul away are real lines on the quote, not padding.
• The water line on the wall. Twelve inches of water means drywall cut at 24 inches. Four feet means the whole wall, the insulation behind it and often the wiring in it.
• Drying a building, not a room. Class 3 and class 4 mean the framing and the subfloor are wet, and those take a week or more with equipment running continuously.
• Local pay. The Boulder, CO index is 1.12 and a laborer is $24.60 an hour (BLS, May 2025). A flood job is mostly hours of hard physical work, so the local rate moves this price more than it moves any other job on this site.
• Mold, which is close to certain after a flood. HomeGuide adds $15 to $30 a square foot, or $1,500 to $15,000, plus $300 to $650 for the inspection.
• Everyone floods on the same day. After a big storm every crew, every dehumidifier and every skip in the area is spoken for. Prices firm up, the wait gets longer, and the mold gets worse while you wait.
• Whether the power was live when the water arrived. A flooded live circuit means an electrician, new outlets and sometimes a new panel, and none of that sits inside a basic cleanup quote.
• How far the crew has to carry it. Debris from a flooded basement goes up the stairs by hand. A ground floor flood with a door onto the driveway costs noticeably less in labor for the same volume.
• The St Vrain is the reason flood cover matters more here than almost anywhere else on the Front Range. In 2013 homes well back from the water still flooded. Check your flood zone, and remember a flood policy does not start for 30 days.

What is included

A flood job is bigger than a water job and the order it runs in matters.

Power and safety first. If water reached outlets or the panel, the power stays off until an electrician has looked at it. Gas appliances that went under are condemned, not dried.

Then pump out and muck out. The standing water is pumped, then the mud and debris are shovelled out by hand. This is the filthiest and most labor heavy part of the whole job, and it is where a high local wage shows up hardest in the final number.

Then demolition. Carpet and pad come out whole. Drywall is cut above the water line. Wet insulation is pulled, particle board cabinets come out, and the crew keeps going until they are back to bare framing that can actually dry.

Then cleaning. Every hard surface that touched flood water is washed and treated with an antimicrobial. With black water this step is not negotiable.

Then drying and monitoring. Air movers and dehumidifiers for a week or more, with moisture readings logged daily. Those logs are what an insurer or a FEMA assessor asks to see, so get them emailed to you as they are taken.

Then the rebuild. Drywall, insulation, flooring, paint, and often new wiring along the bottom of the walls. HomeGuide puts a rebuild at $180 to $450 a square foot, which is why the rebuild normally costs several times what the cleanup did.

Who pays, and this is the part people get wrong. An ordinary home policy does not cover flood. Not a river, not storm surge, not water that ran in off the street. That needs a separate flood policy, usually through the National Flood Insurance Program, and it has a 30 day waiting period, so it cannot be bought once the storm is on the forecast. Water that started inside the house, like a burst pipe, is an ordinary claim even if it covered the whole floor. Make the restoration company write the source into their report. That one line decides who pays for everything else.

What to do in the first hour. Kill the power at the panel if you can reach it safely. Get people and pets out of the water. Photograph every room from the doorway. Do not start pulling carpet up until those photographs exist.

What you will be asked to prove. Where the water came from, how high it got, what the materials were beforehand, and that you acted quickly. Every one of those is proved with photographs and a dated note, so take both on the first day.

Worth knowing in Longmont. The city spent heavily on channel work after 2013, so the risk picture is not what it was. Check the current flood map rather than relying on what someone told you ten years ago.

How Longmont compares. Twelve cities are covered in this round of guides, and the gap between the cheapest and the dearest is real money. The same job costs about 18 percent more here than in San Antonio, which has the lowest building pay of the twelve at $20.14 an hour. Nowhere else in the set is dearer, because Longmont has the highest building pay of the twelve at $24.60 an hour. On a typical $13,000 job that spread is worth roughly $1,200, which is why a single national average is a poor guide to your own bill.

Why this costs more in 2026

Restoration is dearer in 2026 than it was two years ago, for the same reasons every trade is. Crews bill $100 to $250 an hour. Freight and anything made out of oil climbed after the oil shock that began with the Iran war in February 2026, and plastic sheeting, foam, sealers and antimicrobial chemicals are all oil products. Steel, copper, aluminum and resin are up as well, so the rebuild that follows the cleanup costs more than the cleanup itself did. Flood work has a problem of its own in 2026. When a whole area floods at once, crews, drying gear and skips are all booked out and nothing is discounted. A laborer in the Boulder, CO area earns $24.60 an hour (BLS, May 2025), and this job is almost entirely hours.

Ways to pay less

• Buy flood cover before the season, not during it. The 30 day wait means a policy bought with a storm coming pays nothing at all.
• Film every room before the muck out starts, with a tape measure held against the wall so the water line is on camera.
• Keep an offcut of the carpet, the flooring and a cabinet door. Assessors pay for the grade of material you had, and the offcut is how you prove it.
• Carry the ruined furniture out to the kerb yourself if you are fit enough. Hours are the main cost on a flood job and this is the easiest hour to take off the bill.
• Ask for the daily moisture logs. If equipment is left running longer than the drying needs, those logs are the only proof you will have.
• Get the rebuild quoted separately. Every builder in town is busy after a flood, but you still choose who does your rebuild and when.
• Check whether your county was declared a disaster area. FEMA individual assistance and SBA disaster loans only open when it has been.

What price guides say

We checked 3 price guides and read every number on their pages. They do not all measure the same thing, so the ranges on this page come from putting them side by side.

• HomeGuide: Water damage restoration cost, written February 6, 2026
• LawnStarter: How Much Does Water Damage Restoration Cost in 2026
• BLS: Occupational Employment and Wage Statistics, metro files, May 2025

Common questions

Related costs