How the estimate works
Snow weight is depth (in feet) times density. Fresh powder can be under 10 lb/ft³; wet, settled snow can be twice that or more, and ice is about 57 lb/ft³. The estimator adds snow and ice to give pounds per square foot (psf), then compares the result with the reference load you choose. Two feet of settled snow is roughly 30 psf — already above a common 25 psf reference.
Why Western Maryland is different
Garrett and western Allegany counties see far more snow than the Bay counties, and buildings there are often framed for heavier loads. A lake cabin near Deep Creek and a 1950s rambler in Bowie can respond very differently to the same storm total.
When it becomes a claim
Collapse, ice-dam leaks and burst pipes are frequent winter claims, and coverage often turns on policy wording about weight of snow and ice. See snow, ice dam & freeze appraisal for how these losses are valued.
Questions about this tool
What design snow load does my house have?
It depends on when and where it was built and how it was framed. Your county building office or a structural engineer can tell you; the reference values here are only illustrative.
Does homeowners insurance cover roof collapse from snow?
Many policies address collapse caused by the weight of snow or ice, but wording and exclusions vary. Read the collapse and ‘weight of ice, snow or sleet’ provisions and ask your insurer or an attorney.