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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.

All plaster walls will crack over time due to normal house settling and expansion and contraction from temperature and moisture changes. Small, thin hairline cracks are generally not serious and are mostly a cosmetic issue. However, larger or more significant cracks can indicate structural problems.

Here's how to tell the difference:

• Cosmetic Cracks: Cracks that are 0.5 cm (0.2 inches) or thinner are typically cosmetic.

• Structural Cracks: Cracks wider than 0.5 cm, excessive or deep cracks, multiple cracks in the same area, or cracks that span around corners can signify a structural or foundation issue. Cracks along the joints where walls meet the ceiling also warrant attention.

For cracks wider than 0.5 cm, structural repair is needed. If a crack is 2.5 cm (1 inch) or wider, or if you notice any signs of a structural problem, it is best to contact a plaster repair professional to assess the damage.

Plastering lasts for around 15 to 20 years without needing repairs or maintenance in most cases, and with proper upkeep, plastering can last a lifetime—sometimes more than 100 years. Plaster repair costs between $1 and $3 per square foot, and you may need these services once every 15 to 20 years or so unless you have a harsh climate where humidity changes are a constant issue. You can also opt to skim-coat plaster for between $0.90 and $1.30 per square foot, which may serve you better in the long run.

If your home was built before the 1940s and was not remodeled in the past 50 or so years, you probably have plaster walls. Aside from assuming, there are some practical ways to tell if you have plaster walls, including the following: If you knock on the wall and it feels solid, not hollow, if you can’t insert a thumbtack easily, if there are cracks that look like spiderwebs, or if your home has curved, arched, or swirled walls, doorways, or window openings.

If you have an unfinished basement or attic, you could examine the backs of any finished walls to check, too.