May 2025
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This paper introduces INSYDE-content, a novel, probabilistic multi-variable synthetic flood damage model designed to analyze physical damage to household contents on a component-by-component basis. The model addresses a critical gap in current modeling tools, which often overlook the significance of household contents in overall damage assessments. Developed through an expert-based approach and grounded in the scientific and technical literature, INSYDE-content leverages desk-based data to characterize model features, including uncertainty treatment arising from incomplete input data. A sensitivity analysis and a benchmark test against observed losses demonstrate the robust performance of the model and highlight the contribution of different features to damage mechanisms affecting house contents. While in this study INSYDE-content is tailored for illustrative purposes to the hazard, vulnerability and exposure characteristics of Northern Italy, the model is highly adaptable, allowing for its application to different regional contexts through appropriate customization.