Plan · stress test
A four-bedroom on the ocean block in Surf CityStarts from the calculator’s model for 2027.
The hardest test
−$24,209
A bad storm season would take $24,209 out of a year and leave you $134,818 to cover. Keep at least that much in reserve.
Against this year’s cash flow of −$110,610. One test at a time; two at once is worse.
Five hard years
Each bar is the money a test takes out of one year. Longer is worse.
ItemFigure
Insurance doublingFlood and homeowners premiums from $7,410 to $14,820.−$7,410
A bad storm season25% of summer and June or September bookings lost, $10,000 out of pocket.−$24,209
Rates 15% lowerEvery weekly rate, as in a soft summer. Bookings hold.−$10,149
A year with no July5 peak weeks with no guests.−$22,573
A refinance one point higher8.49% instead of 7.49% on the $1,537,500 you owe.−$12,855
What is left
What the house leaves you that year, after each test.
As planned
−$110,610
Insurance doubling
−$118,020
A bad storm season
−$134,818
Rates 15% lower
−$120,758
A year with no July
−$133,183
A refinance one point higher
−$123,465
The island’s beaches are rebuilt by the Army Corps every few years; work can close beach blocks for weeks.