Water damage restoration · Mint Hill, North Carolina
Water damage restoration in Mint Hill, NC
Burst pipe, failed water heater, or storm water? Mint Hill-area ZIPs: 37 flood claims since 1979[1]; 29% of homes built before 1980[2]. Request help from local restoration crews. Mint Hill, in Mecklenburg County and Union County — ZIP 28227, counts 29,476 residents (2025 estimate)[3].
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Mint Hill water damage snapshot: the key figures
- Population (2025 est.)
- 29,476[3]+11.4% since 2020
- County
- Mecklenburg / Union[3]city spans more than one county
- Land area
- 24.6 sq mi[4]
- Flood-insurance (NFIP) claims, local ZIPs
- 37 since 1979[1]$329,367 paid across 24 claims · ZIP 28227
- Flood & flash-flood reports within 10 mi
- 20[5]2016–2025 · latest Sep 27, 2024
- Winter-storm & freeze days, mecklenburg zone
- 16[5]2016–2025; hard freezes burst pipes
- Homes built before 1980
- 29%[2]the 6th-highest share of the 14 Charlotte-area suburbs we cover
- Households renting
- 17%[2]2020–2024
Reading the Mint Hill data for water damage
Mint Hill counts 29,476 residents (2025 estimate), growing at a middle-of-the-pack 11.4% since 2020[3]. The city spans 24.6 square miles at 1,199 residents per square mile (the 13th densest) and spans Mecklenburg County and Union County, served by ZIP code 28227[4].
Mint Hill mixes 17% of homes built since 2010 and 29% 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.
One ZIP code covers the whole city: 28227[6].
The closest tracked neighbours are Matthews (5.1 mi SW), Indian Trail (7.6 mi S) and Harrisburg (8.9 mi N)[4].
37 flood-insurance claims have come from Mint Hill-area ZIP codes (28227) since 1979, and $329,367 has been paid on them (about $13,724 per paid claim)[1]. 1997 was the worst year, with 7 claims. That is the 6th-fewest of the 14 Charlotte-area suburbs we cover; for comparison, Matthews (33), Indian Trail (69), and Harrisburg (161). Of the 37 claims rated in a flood zone, 15 were in FEMA's high-risk areas (zones A or V) and 22 outside them (zones B, C or X)[1][7] — flooding here is not only a high-risk-zone problem.
By month of loss, Mint Hill-area flood claims cluster in January (8), July (9), and September (7) — 24 of 37 dated claims[1].
Within 10 miles of central Mint Hill, weather observers filed 20 flood, flash-flood or heavy-rain reports in 2016–2025 (9 flash floods)[5]. Countywide: no flood declarations since 2000[8]. Nearby: Matthews (15), Indian Trail (9), and Harrisburg (28).
29% of Mint Hill's 10,820 housing units predate 1980[2] — the 6th-highest share of the 14 Charlotte-area suburbs we cover (Matthews (18%), Indian Trail (9%), and Harrisburg (9%)). Expect a mix of original and replaced plumbing.
Freeze days in the mecklenburg zone: 16 in 2016–2025, latest Jan 21, 2025[5]. Nearby: Matthews (16), Indian Trail (11), and Harrisburg (18).
83% of Mint Hill households own their home[2], so most claims and rebuilds here are coordinated by the owner.
Measured against the 14 suburbs on this site, Mint Hill records the 2nd-lowest renter share (17%)[2] and the 3rd-most flood reports nearby (20)[5].
How a leak spreads inside a wall
Give a leak time and it travels — outward across the floor, upward into drywall by capillary action.
Mint Hill storm calendar
Within 10 miles of Mint Hill, 2016–2025: 9 flash-flood reports, 10 flood reports, and 1 heavy-rain report[5]. Peak: spread out; February, April, and May held 55%. Busiest year 2020 (12); 4 of 10 years had none. Busiest month May 2020 (4). Latest: flash-flood report, Sep 27, 2024, 3.3 mi out.
| Month | Flash flood | Flood | Heavy rain | All |
|---|---|---|---|---|
| Jan | – | 1 | – | 1 |
| Feb | 1 | 2 | – | 3 |
| Apr | 1 | 3 | – | 4 |
| May | 1 | 3 | – | 4 |
| Jun | 2 | – | – | 2 |
| Jul | 1 | – | – | 1 |
| Aug | 1 | – | – | 1 |
| Sep | 1 | – | 1 | 2 |
| Nov | 1 | 1 | – | 2 |
water damage help in Mint Hill: what to do next
Requests go to Water damage restoration contractors serving the Mint Hill area — ZIP code 28227.
Before reaching out: what a restoration crew does first
Shared walls and ceilings: Mint Hill homes by building type
With 86%[2] of homes detached, most Mint Hill water-damage jobs stay inside one house — the owner's policy and the owner's call.
After detached houses, the biggest group is attached house (townhouse, rowhouse): 632 of 10,820 housing units[2].
| Building type | Units | Share | Margin of error |
|---|---|---|---|
| Detached house | 9,336 | 86.3% | ±516 |
| Attached house (townhouse, rowhouse) | 632 | 5.8% | ±338 |
| Duplex (2 units) | 9 | 0.1% | ±14 |
| 5–9 units | 128 | 1.2% | ±103 |
| 10–19 units | 165 | 1.5% | ±97 |
| 20–49 units | 345 | 3.2% | ±161 |
| 50 or more units | 79 | 0.7% | ±69 |
| Mobile home | 126 | 1.2% | ±90 |
Margins of error are the Census Bureau’s 90% intervals; small categories in small cities are rough.
Mint Hill by the numbers
| Measure | Mint Hill | Median of 14 | Difference |
|---|---|---|---|
| Flood reports (10 mi) | 20 | 9 | 12 more |
| Renter-occupied | 17% | 35% | 18 pts lower |
| Owner-occupied | 83% | 65% | 18 pts higher |
| Built before 1980 | 29% | 23% | 6 pts higher |
| Median home value | $428,900 | $387,950 | 11% higher |
| NFIP flood claims (area ZIPs) | 37 | 39 | 2 fewer |
| Median year built | 1992 | 1996 | 4 years older |
Biggest gaps first. Medians are middle values across the Charlotte-area suburbs we cover, drawn from the same sources.
| City | NFIP claims | Flood reports ≤10 mi | Freeze days | Built before 1980 | Renting |
|---|---|---|---|---|---|
| Mint Hill | 37 | 20 | 16 | 29% | 17% |
| Matthews 5.1 mi | 33 | 15 | 16 | 18% | 36% |
| Indian Trail 7.6 mi | 69 | 9 | 11 | 9% | 22% |
| Harrisburg 8.9 mi | 161 | 28 | 18 | 9% | 8% |
| Monroe 13.3 mi | 37 | 4 | 11 | 39% | 38% |
| Concord 14.8 mi | 53 | 29 | 18 | 28% | 35% |
| ZIP | Claims | Paid | Busiest year | Outside high-risk zones |
|---|---|---|---|---|
| 28227 | 37 | $329,367 | 1997 (7) | 22 of 37 |
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 | 7 |
| 2022 | 1 |
| 2018 | 5 |
| 2014 | 2 |
| 2008 | 1 |
| 2004 | 2 |
| 2003 | 2 |
| 1999 | 1 |
| 1997 | 7 |
| 1996 | 2 |
| 1995 | 1 |
| 1994 | 1 |
| Month | Claims |
|---|---|
| January | 8 |
| April | 4 |
| June | 4 |
| July | 9 |
| August | 2 |
| September | 7 |
| November | 1 |
| December | 2 |
| Date | Type | Distance |
|---|---|---|
| Sep 27, 2024 | Flash Flood | 3.3 mi |
| Jan 9, 2024 | Flood | 9.4 mi |
| Jul 19, 2022 | Flash Flood | 3.2 mi |
| Jun 6, 2021 | Flash Flood | 7.2 mi |
| Nov 12, 2020 | Flood | 9.4 mi |
| Nov 12, 2020 | Flash Flood | 9.4 mi |
| Aug 9, 2020 | Flash Flood | 7.4 mi |
| May 27, 2020 | Flood | 9.4 mi |
| ZIP (ZCTA) | Share of Mint Hill's land | Share of the ZIP inside the city |
|---|---|---|
| 28227 | 93% | 56% |
water damage questions from Mint Hill homeowners
Do I need flood insurance in Mint Hill?
Homeowners policies exclude outside floodwater[9], and Mint Hill-area ZIPs have 13 NFIP claims in just the last ten years[1].
Which Mint Hill ZIP codes do these crews cover?
28227[6], in Mecklenburg County. Nearby pages: Matthews (5.1 mi), Indian Trail (7.6 mi), and Harrisburg (8.9 mi)[4].
When was the last flood report near Mint Hill?
Sep 27, 2024: a flash flood report 3.3 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.