Another portion may be financed by a separate line item in the next year's budget. In some cases, a structure may be replaced by one of higher quality, costing more than the replacement value or repair costs of the original structure. For homeowners and businesses, some will either not have insurance or be under insured. The costs for this sort of repair is almost impossible to establish. For those that are insured, claims may not fully reflect actual losses.
Agricultural losses are also hard to accurately estimate.
Totals are may be available on state and county levels. Depending on who is providing them, they may not comprehensively include all damages. Often, there is usually not enough information to easily determine the degree of overlap among these various sources of loss estimates. Unfortunately, there is usually no easy way to reconcile information from different reporting systems. Finally, deciding what constitutes a loss is not always as simple as it might seem.