Water damage restoration · Naperville, Illinois
Water damage restoration in Naperville, IL
Burst pipe, failed water heater, or storm water? Naperville-area ZIPs: 226 flood claims since 1978[1]; 26% of homes built before 1980[2]. Request help from local restoration crews. Naperville, in DuPage County and Will County — ZIPs 60540, 60564, 60563, 60565, counts 153,114 residents (2025 estimate)[3].
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Naperville water damage snapshot: the key figures
- Population (2025 est.)
- 153,114[3]+2.4% since 2020
- County
- DuPage / Will[3]city spans more than one county
- Land area
- 39.4 sq mi[4]
- Flood-insurance (NFIP) claims, local ZIPs
- 226 since 1978[1]$1,365,996 paid across 148 claims · ZIP 60540, 60564, 60563, 60565
- Flood & flash-flood reports within 10 mi
- 78[5]2016–2025 · latest Aug 18, 2025
- Federal disaster declarations incl. flooding, DuPage Co.
- 3[6]of 8 total declarations
- Homes built before 1980
- 26%[2]the lowest share of the 15 Chicago-area suburbs we cover
- Households renting
- 25%[2]2020–2024
What the local data means for water damage in Naperville
Naperville is one of the fastest-growing Chicago-metro suburbs tracked here: 153,114 people (2025 estimate), up 2.4% since 2020[3]. On the map that's 39.4 square miles holding 3,889 residents per square mile, the 9th densest of the suburbs here; it spans DuPage County and Will County, with ZIP codes 60540, 60564, 60563, 60565[4].
Naperville mixes 8% of homes built since 2010 and 26% 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.
4 ZIP codes cover Naperville — 60540 (26% of the city's land), 60564 (26% of the city's land), 60563 (26% of the city's land), 60565 (22% of the city's land)[7].
The closest tracked neighbours are Bolingbrook (5.1 mi SE), Aurora (6.7 mi W) and Downers Grove (7.9 mi NE)[4].
226 flood-insurance claims have come from Naperville-area ZIP codes (60540, 60564, 60563, 60565) since 1978, and $1,365,996 has been paid on them (about $9,230 per paid claim)[1]. 1996 was the worst year, with 68 claims. That is the 6th-most of the 15 Chicago-area suburbs we cover; for comparison, Bolingbrook (101), Aurora (304), and Downers Grove (158). Of the 211 claims rated in a flood zone, 88 were in FEMA's high-risk areas (zones A or V) and 123 outside them (zones B, C or X)[1][8] — flooding here is not only a high-risk-zone problem.
By month of loss, Naperville-area flood claims cluster in March (16), April (32), and July (105) — 153 of 226 dated claims[1].
Within 10 miles of central Naperville, weather observers filed 78 flood, flash-flood or heavy-rain reports in 2016–2025 (26 flash floods)[5]. Countywide: 3 flood declarations since 2000, latest Severe Storms, Straight-Line Winds, and Flooding (DR-4116, 2013)[6]. Nearby: Bolingbrook (76), Aurora (55), and Downers Grove (97).
26% of Naperville's 57,135 housing units predate 1980[2] — the lowest share of the 15 Chicago-area suburbs we cover (Bolingbrook (41%), Aurora (42%), and Downers Grove (64%)). In newer houses, check fittings, washer hoses and the water-heater pan first — and any builder warranty.
75% of Naperville households own their home[2], so most claims and rebuilds here are coordinated by the owner.
Out of the 15 suburbs on this site, Naperville has the lowest pre-1980 housing share (26%)[2], the newest housing (by median year built) (1990)[2], the highest median home value ($540,200)[2], and the 2nd-most flood reports nearby (78)[5].
How a leak spreads inside a wall
Water on the move: it spreads across floors and wicks upward into drywall until it is stopped.
Naperville storm calendar
Within 10 miles of Naperville, 2016–2025: 26 flash-flood reports, 40 flood reports, and 12 heavy-rain reports[5]. Peak: 71% in May, July, and August. Busiest year 2025 (21). Busiest month August 2025 (12). Latest: flash-flood report, Aug 18, 2025, 2.8 mi out.
| Month | Flash flood | Flood | Heavy rain | All |
|---|---|---|---|---|
| Jan | – | 1 | – | 1 |
| Mar | – | 1 | – | 1 |
| Apr | – | 4 | – | 4 |
| May | 5 | 15 | 3 | 23 |
| Jun | 2 | 5 | 2 | 9 |
| Jul | 8 | 9 | 3 | 20 |
| Aug | 8 | 1 | 3 | 12 |
| Sep | 2 | 3 | – | 5 |
| Oct | 1 | 1 | 1 | 3 |
Get water damage help in Naperville
Requests go to Water damage restoration contractors serving the Naperville area — ZIP codes 60540, 60564, 60563, 60565.
Before reaching out: what a restoration crew does first
Shared walls and ceilings: Naperville homes by building type
37%[2] of Naperville's homes share walls, floors or ceilings with a neighbour (multi-unit buildings alone: 25%, the 7th-lowest multi-unit share of the 15 Chicago-area suburbs we cover). Water crosses those lines: in an attached or stacked unit, tell the neighbour and the association or landlord right away, and check whose policy covers which part of the damage.
After detached houses, the biggest group is attached house (townhouse, rowhouse): 6,943 of 57,135 housing units[2].
| Building type | Units | Share | Margin of error |
|---|---|---|---|
| Detached house | 35,865 | 62.8% | ±794 |
| Attached house (townhouse, rowhouse) | 6,943 | 12.2% | ±531 |
| Duplex (2 units) | 576 | 1.0% | ±224 |
| 3–4 units | 2,072 | 3.6% | ±401 |
| 5–9 units | 4,051 | 7.1% | ±520 |
| 10–19 units | 2,967 | 5.2% | ±589 |
| 20–49 units | 1,711 | 3.0% | ±370 |
| 50 or more units | 2,742 | 4.8% | ±410 |
| Mobile home | 208 | 0.4% | ±135 |
Margins of error are the Census Bureau’s 90% intervals; small categories in small cities are rough.
The data underneath this Naperville page
| Measure | Naperville | Median of 15 | Difference |
|---|---|---|---|
| Built before 1980 | 26% | 55% | 29 pts lower |
| Median home value | $540,200 | $355,600 | 52% higher |
| NFIP flood claims (area ZIPs) | 226 | 158 | 68 more |
| Flood reports (10 mi) | 78 | 56 | 22 more |
| Renter-occupied | 25% | 26% | 1 pts lower |
| Owner-occupied | 75% | 74% | 1 pts higher |
| Median year built | 1990 | 1977 | 13 years newer |
Biggest gaps first. Medians are middle values across the Chicago-area suburbs we cover, drawn from the same sources.
| City | NFIP claims | Flood reports ≤10 mi | Freeze days | Built before 1980 | Renting |
|---|---|---|---|---|---|
| Naperville | 226 | 78 | — | 26% | 25% |
| Bolingbrook 5.1 mi | 101 | 76 | 13 | 41% | 21% |
| Aurora 6.7 mi | 304 | 55 | 55 | 42% | 34% |
| Downers Grove 7.9 mi | 158 | 97 | — | 64% | 25% |
| Wheaton 7.9 mi | 232 | 77 | — | 62% | 28% |
| Joliet 16.1 mi | 1,062 | 40 | 13 | 47% | 26% |
| ZIP | Claims | Paid | Busiest year | Outside high-risk zones |
|---|---|---|---|---|
| 60540 | 108 | $672,728 | 1996 (23) | 63 of 101 |
| 60564 | 20 | $73,463 | 1996 (12) | 8 of 20 |
| 60563 | 36 | $113,048 | 1996 (7) | 24 of 32 |
| 60565 | 62 | $506,757 | 1996 (26) | 28 of 58 |
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 |
|---|---|
| 2026 | 2 |
| 2025 | 1 |
| 2024 | 1 |
| 2022 | 1 |
| 2021 | 1 |
| 2020 | 4 |
| 2019 | 1 |
| 2017 | 7 |
| 2016 | 1 |
| 2015 | 3 |
| 2014 | 4 |
| 2013 | 26 |
| Month | Claims |
|---|---|
| February | 10 |
| March | 16 |
| April | 32 |
| May | 12 |
| June | 5 |
| July | 105 |
| August | 8 |
| September | 14 |
| October | 13 |
| November | 2 |
| December | 9 |
| Date | Type | Distance |
|---|---|---|
| Aug 18, 2025 | Flash Flood | 8.7 mi |
| Aug 18, 2025 | Flash Flood | 6.8 mi |
| Aug 18, 2025 | Flash Flood | 1.1 mi |
| Aug 18, 2025 | Flash Flood | 9.4 mi |
| Aug 18, 2025 | Flash Flood | 2.8 mi |
| Aug 17, 2025 | Heavy Rain | 9.8 mi |
| Aug 17, 2025 | Heavy Rain | 9.0 mi |
| Aug 17, 2025 | Heavy Rain | 7.0 mi |
| ZIP (ZCTA) | Share of Naperville's land | Share of the ZIP inside the city |
|---|---|---|
| 60540 | 26% | 77% |
| 60564 | 26% | 62% |
| 60563 | 26% | 68% |
| 60565 | 22% | 68% |
Naperville water damage questions
Do I need flood insurance in Naperville?
Homeowners policies exclude outside floodwater[9], and Naperville-area ZIPs have 19 NFIP claims in just the last ten years[1].
Which Naperville ZIP codes do these crews cover?
60540, 60564, 60563, and 60565[7], in DuPage County. Nearby pages: Bolingbrook (5.1 mi), Aurora (6.7 mi), and Downers Grove (7.9 mi)[4].
Which Naperville ZIP code has the most flood claims?
60540, with 108 NFIP claims and $672,728 paid[1].
When was the last flood report near Naperville?
Aug 18, 2025: a flash flood report 8.7 miles from the city center[5].
My Naperville home is fairly new — could the plumbing fixtures and water heater still be under warranty?
Possibly: 8% of Naperville's housing units were built in 2010 or later[2], the 2nd-highest share of the 15 Chicago-area suburbs we cover. Check your closing paperwork for warranties before paying for a repair.
Sources
- OpenFEMA NFIP claims
- Census ACS 2020–2024 5-year (keyless bulk)
- Census population estimates, Vintage 2025
- Census Gazetteer 2025
- NOAA Storm Events Database
- OpenFEMA disaster declarations
- Census 2020 ZCTA–place file
- FEMA, Flood Zones (link unverified)
- FEMA FloodSmart (link unverified)
Data pulled Sep 28, 2026. Full citations and method.