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Storm Damage Tax Deduction Calculator (IRS Casualty Loss)
If a storm left you paying for roof repairs that insurance didn't cover, part of that cost may be deductible on your federal return - but only under specific conditions. Enter your loss, the insurance payment and your income to see what the IRS formula gives. This is general information, not tax advice.
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Storm Damage Tax Deduction Estimator
Runs the exact federal formula from IRS Publication 547: your loss, minus insurance reimbursement, minus a $100 per-event reduction, minus 10% of your adjusted gross income. General information only - not tax advice. See the full IRS rules guide for the disaster-declaration requirement this depends on.
Estimated Deductible Casualty Loss
$1,400
$25,000 loss − $15,000 insurance − $100 per-event reduction − $8,500 (10% of AGI) = $1,400.
Estimate only, based on the formula in IRS Publication 547 - not a substitute for advice from a CPA or tax preparer, who can confirm your actual eligibility and file the deduction correctly.
Before you count on a deduction
The deduction for personal casualty losses is limited to federally declared disasters (and, for losses from 2026 on, state-declared disasters), and the $100 and 10% of AGI reductions remove most small losses. Keep the repair invoices, insurance letters and photos either way. A tax professional can tell you whether the rules apply to your situation.
The details are in can you deduct storm or hail roof damage on your taxes.
Official tax and disaster resources
IRS Publication 547 sets the casualty loss rules, and NOAA records confirm the date and location of the storm.
- IRS Publication 547: casualties, disasters and thefts
Federal rules on deducting uninsured storm damage, including federally declared disasters.
- IRS: casualty loss deduction expanded and made permanent
From 2026, losses from state-declared disasters can qualify as well as federally declared ones.
- NOAA Storm Events Database: Texas
Official records of hail and wind events by county and date, useful for confirming a storm date.
Questions
Can I deduct hail or storm damage to my roof on my taxes?
Only in limited cases. For personal property, the casualty loss deduction applies only when the damage comes from a declared disaster - a federally declared disaster or, for losses from 2026 on, a state-declared one - and only for the part insurance didn't pay.
How is the casualty loss deduction calculated?
Start with the loss, subtract any insurance payment, subtract $100 for the event, then subtract 10% of your adjusted gross income. Whatever is left, if anything, is the deductible amount. The estimator runs that formula.
How do I know if my storm was a declared disaster?
FEMA lists federal disaster declarations by state and county, and the Texas governor issues state disaster declarations. If your county is covered for the storm date, the deduction may apply. IRS Publication 547 explains the rules.
Does a roofing deductible I paid count as a loss?
The part of the damage your insurer did not pay, including your deductible, is part of the loss figure. A tax professional can confirm how it applies to your return.