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Very little. One inch of water can stain walls, warp wood, and create a perfect environment for mold growth. One to two inches of water can do significant damage to drywall, insulation, and electrical systems. Anything over that is considered an extensive flood, often resulting in severe structural damage.

Whether to repair or replace water-damaged plaster depends on the scale of the damage. For small, limited areas, you can often perform a repair yourself. If you choose to paint over small patches, ensure the surface is completely dry and apply a coat of antifungal primer first to prevent mold growth. However, simply painting or plastering over the damage is only a temporary solution that doesn't address the core problem. For more extensive or long-term damage, the plaster may be compromised, and there is a risk of mold. In these cases, it is recommended to remove the damaged section of plasterboard and replace it. You may consider hiring a professional for the repair, and it's worth noting that water damage is often covered by home insurance.

The age of your home can clue you in to whether you have plaster or drywall ceilings. Homes built after the ‘70s are more likely to have drywall ceilings and walls, while older homes have plaster. You can also do the pushpin test: A pushpin will go into drywall, whereas it’s much harder to push one into a plaster wall. If you’re still unsure, ask a drywall professional to let you know which type of ceilings and walls you have.

The short answer is yes, a sagging plaster ceiling is dangerous. Sagging plaster on a wall is something you should fix immediately, but it isn’t a major concern. If the same type of sagging occurs on a ceiling, however, you could be in danger of your ceiling falling in large chunks. When plaster sags, it loses its strength and ability to hold itself up. The bonds that hold it together are strong, though, so if a sagging area falls, it will take large pieces down with it.