The estimation of flood loss is difficult, especially in the commercial sector, because of its great inhomogeneity. However, the reliability of loss modelling is fairly unknown, since flood-loss models are scarcely validated. The newly developed Flood Loss Estimation MOdel for the commercial sector (FLEMOcs) was validated on the micro-scale using a leave-one-out cross-validation procedure. Additionally, different meso-scale loss functions were compared. Meso-scale model application was undertaken in 19 municipalities which were affected during the 2002 flood in Germany. Model results were compared with the results of three other loss models, as well as with official loss records. The micro-scale validation shows very good results, with no bias and mean absolute errors between 23 and 31%. The meso-scale validation indicates that FLEMOcs provides good results, especially in large areas with many affected companies where high losses are expected.Citation Seifert, I., Kreibich, H., Merz, B. & Thieken, A. H. (2010) Application and validation of FLEMOcs – a flood-loss estimation model for the commercial sector. Hydrol. Sci. J.55(8), 1315–1324.