
The Substantial Damage Estimator (SDE) Version 3.0 Tool, developed by FEMA, assists State and community officials in estimating Substantial Damage to residential and non-residential structures within mapped flood zones. The tool allows for specific structure values and damage estimates, aiding in NFIP compliance and making defensible determinations. The SDE tool is based on element-by-element damage estimates, enabling quick and reasonable assessments even without extensive appraisal or construction experience. It provides structured data management, including import/export options, and is recommended for determining Substantial Damage but not mandatory.