This article is within the context of decision models aimed for maintenance of structures and infrastructures in civil engineering. The contribution relies on the construction of a degradation model oriented toward risk analysis. The proposed model can be defined as a meta-model in the sense that it is based on observations while incorporating key features from the degradation process necessary for the maintenance decision. We propose to stimulate the construction of the degradation model based on the crack propagation of a submerged reinforced concrete structure subject to chloride-induced corrosion. Furthermore, a set of numerical illustrations is performed to demonstrate the advantages and applicability of the proposed approach in risk management and maintenance contexts.