Water damage restoration · Concord, North Carolina
Water damage restoration in Concord, NC
Burst pipe, failed water heater, or storm water? Concord-area ZIPs: 53 flood claims since 1984[1]; 28% of homes built before 1980[2]. Request help from local restoration crews. Concord, in Cabarrus County and Mecklenburg County — ZIPs 28027, 28025, counts 114,598 residents (2025 estimate)[3].
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Concord water damage snapshot: the key figures
- Population (2025 est.)
- 114,598[3]+8.8% since 2020
- County
- Cabarrus / Mecklenburg[3]city spans more than one county
- Land area
- 64.8 sq mi[4]
- Flood-insurance (NFIP) claims, local ZIPs
- 53 since 1984[1]$975,061 paid across 42 claims · ZIP 28027, 28025
- Flood & flash-flood reports within 10 mi
- 29[5]2016–2025 · latest Sep 27, 2024
- Winter-storm & freeze days, cabarrus zone
- 18[5]2016–2025; hard freezes burst pipes
- Homes built before 1980
- 28%[2]the 7th-highest share of the 14 Charlotte-area suburbs we cover
- Households renting
- 35%[2]2020–2024
What the local data means for water damage in Concord
Concord is one of the most established suburbs tracked here — 114,598 people (2025 estimate), up just 8.8% since 2020[3]. The city spans 64.8 square miles at 1,767 residents per square mile (the 6th densest) and spans Cabarrus County and Mecklenburg County, served by ZIP codes 28027, 28025[4].
Concord mixes 25% of homes built since 2010 and 28% before 1980[2]: new supply lines and water heaters in one house, aging pipe and original valves in the next — so where a leak starts depends a lot on the address.
Concord is split across 2 ZIP codes: 28027 (67% of the city's land), 28025 (30% of the city's land)[6].
Nearest of the other suburbs we track: Harrisburg (5.9 mi S), Kannapolis (6.1 mi N) and Huntersville (13.2 mi W)[4].
53 flood-insurance claims have come from Concord-area ZIP codes (28027, 28025) since 1984, and $975,061 has been paid on them (about $23,216 per paid claim)[1]. 2008 was the worst year, with 10 claims. That is the 5th-most of the 14 Charlotte-area suburbs we cover; for comparison, Harrisburg (161), Kannapolis (64), and Huntersville (19). Outside water is a real part of the picture here. Of the 53 claims rated in a flood zone, 19 were in FEMA's high-risk areas (zones A or V) and 34 outside them (zones B, C or X)[1][7] — flooding here is not only a high-risk-zone problem.
By month of loss, Concord-area flood claims cluster in June (10), July (9), and August (14) — 33 of 53 dated claims[1].
Within 10 miles of central Concord, weather observers filed 29 flood, flash-flood or heavy-rain reports in 2016–2025 (8 flash floods)[5]. Countywide: no flood declarations since 2000[8]. Nearby: Harrisburg (28), Kannapolis (8), and Huntersville (11).
28% of Concord's 43,142 housing units predate 1980[2] — the 7th-highest share of the 14 Charlotte-area suburbs we cover (Harrisburg (9%), Kannapolis (44%), and Huntersville (7%)). Expect a mix of original and replaced plumbing.
Freeze days in the cabarrus zone: 18 in 2016–2025, latest Jan 21, 2025[5]. Nearby: Harrisburg (18), Kannapolis (18), and Huntersville (16).
65% of Concord households own their home[2], so most claims and rebuilds here are coordinated by the owner.
Out of the 14 suburbs on this site, Concord has the most flood reports nearby (29)[5].
How a leak spreads inside a wall
Leaked water spreads outward and wicks up drywall the longer it runs.
Concord storm calendar
Within 10 miles of Concord, 2016–2025: 8 flash-flood reports and 21 flood reports[5]. Peak: spread out; April, September, and November held 59%. Busiest year 2020 (10); 4 of 10 years had none. Busiest month September 2018 (3). Latest: flash-flood report, Sep 27, 2024, 5.7 mi out.
| Month | Flash flood | Flood | Heavy rain | All |
|---|---|---|---|---|
| Jan | – | 1 | – | 1 |
| Feb | 1 | 3 | – | 4 |
| Apr | 1 | 5 | – | 6 |
| May | – | 3 | – | 3 |
| Jun | 2 | – | – | 2 |
| Sep | 3 | 3 | – | 6 |
| Oct | – | 1 | – | 1 |
| Nov | 1 | 4 | – | 5 |
| Dec | – | 1 | – | 1 |
Get water damage help in Concord
Water damage restoration contractors taking requests around Concord cover ZIP codes 28027, 28025.
Before reaching out: what a restoration crew does first
Shared walls and ceilings: Concord homes by building type
With 72%[2] of homes detached, most Concord water-damage jobs stay inside one house — the owner's policy and the owner's call.
After detached houses, the biggest group is 10–19 units: 2,776 of 43,142 housing units[2].
Concord also has 1,287 mobile homes (3.0%); for a leak under one, ask for a crew that works on manufactured homes.
| Building type | Units | Share | Margin of error |
|---|---|---|---|
| Detached house | 31,209 | 72.3% | ±886 |
| Attached house (townhouse, rowhouse) | 1,433 | 3.3% | ±303 |
| Duplex (2 units) | 891 | 2.1% | ±277 |
| 3–4 units | 820 | 1.9% | ±249 |
| 5–9 units | 2,173 | 5.0% | ±436 |
| 10–19 units | 2,776 | 6.4% | ±565 |
| 20–49 units | 1,359 | 3.2% | ±319 |
| 50 or more units | 1,194 | 2.8% | ±260 |
| Mobile home | 1,287 | 3.0% | ±278 |
Margins of error are the Census Bureau’s 90% intervals; small categories in small cities are rough.
The data underneath this Concord page
| Measure | Concord | Median of 14 | Difference |
|---|---|---|---|
| Flood reports (10 mi) | 29 | 9 | 21 more |
| NFIP flood claims (area ZIPs) | 53 | 39 | 14 more |
| Built before 1980 | 28% | 23% | 5 pts higher |
| Median home value | $353,700 | $387,950 | 9% lower |
| Renter-occupied | 35% | 35% | about the same |
| Owner-occupied | 65% | 65% | about the same |
| Median year built | 1998 | 1996 | 2 years newer |
Sorted by largest difference. Each median is the middle value across the covered Charlotte-area suburbs, from the same sources.
| City | NFIP claims | Flood reports ≤10 mi | Freeze days | Built before 1980 | Renting |
|---|---|---|---|---|---|
| Concord | 53 | 29 | 18 | 28% | 35% |
| Harrisburg 5.9 mi | 161 | 28 | 18 | 9% | 8% |
| Kannapolis 6.1 mi | 64 | 8 | 18 | 44% | 34% |
| Huntersville 13.2 mi | 19 | 11 | 16 | 7% | 28% |
| Mint Hill 14.8 mi | 37 | 20 | 16 | 29% | 17% |
| Cornelius 14.9 mi | 21 | 6 | 16 | 8% | 30% |
| ZIP | Claims | Paid | Busiest year | Outside high-risk zones |
|---|---|---|---|---|
| 28027 | 34 | $492,625 | 2013 (8) | 24 of 34 |
| 28025 | 19 | $482,436 | 2008 (6) | 10 of 19 |
ZIPs extend past city limits. Outside high-risk zones: claims rated in zone B, C or X, of the claims that carry a zone.
| Year | Claims |
|---|---|
| 2024 | 1 |
| 2023 | 2 |
| 2020 | 8 |
| 2019 | 1 |
| 2018 | 3 |
| 2015 | 1 |
| 2013 | 9 |
| 2010 | 6 |
| 2009 | 6 |
| 2008 | 10 |
| 2005 | 1 |
| 2003 | 1 |
| Month | Claims |
|---|---|
| January | 4 |
| February | 2 |
| April | 3 |
| June | 10 |
| July | 9 |
| August | 14 |
| September | 1 |
| October | 1 |
| November | 6 |
| December | 3 |
| Date | Type | Distance |
|---|---|---|
| Sep 27, 2024 | Flash Flood | 8.7 mi |
| Sep 27, 2024 | Flash Flood | 5.7 mi |
| Sep 27, 2024 | Flood | 8.7 mi |
| Jan 9, 2024 | Flood | 5.6 mi |
| Jun 20, 2023 | Flash Flood | 8.1 mi |
| Jun 20, 2023 | Flash Flood | 7.5 mi |
| Apr 8, 2023 | Flood | 4.5 mi |
| Nov 12, 2020 | Flood | 5.6 mi |
| ZIP (ZCTA) | Share of Concord's land | Share of the ZIP inside the city |
|---|---|---|
| 28027 | 67% | 62% |
| 28025 | 30% | 18% |
Concord water damage questions
Do I need flood insurance in Concord?
Homeowners policies exclude outside floodwater[9], and Concord-area ZIPs have 15 NFIP claims in just the last ten years[1].
Which Concord ZIP codes do these crews cover?
28027 and 28025[6], in Cabarrus County. Nearby pages: Harrisburg (5.9 mi), Kannapolis (6.1 mi), and Huntersville (13.2 mi)[4].
Which Concord ZIP code has the most flood claims?
28027, with 34 NFIP claims and $492,625 paid[1].
When was the last flood report near Concord?
Sep 27, 2024: a flash flood report 8.7 miles from the city center[5].
Sources
- OpenFEMA NFIP claims
- Census ACS 2020–2024 5-year (keyless bulk)
- Census population estimates, Vintage 2025
- Census Gazetteer 2025
- NOAA Storm Events Database
- Census 2020 ZCTA–place file
- FEMA, Flood Zones (link unverified)
- OpenFEMA disaster declarations
- FEMA FloodSmart (link unverified)
Data pulled Sep 28, 2026. Full citations and method.