Water damage restoration · Garland, Texas
Water damage restoration in Garland, TX
Burst pipe, failed water heater, or storm water? Garland-area ZIPs: 460 flood claims since 1979[1]; 55% of homes built before 1980[2]. Request help from local restoration crews. Garland, in Dallas County and Collin County — ZIPs 75040, 75043, 75044, 75041, 75042, counts 249,625 residents (2025 estimate)[3].
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Garland water damage snapshot: the key figures
- Population (2025 est.)
- 249,625[3]+1.4% since 2020
- County
- Dallas / Collin[3]city spans more than one county
- Land area
- 56.9 sq mi[4]
- Flood-insurance (NFIP) claims, local ZIPs
- 460 since 1979[1]$9,952,149 paid across 369 claims · ZIP 75040, 75043, 75044, 75041, 75042
- Flood & flash-flood reports within 10 mi
- 49[5]2016–2025 · latest Nov 20, 2025
- Winter-storm & freeze days, dallas zone
- 20[5]2016–2025; hard freezes burst pipes
- Federal disaster declarations incl. flooding, Dallas Co.
- 3[6]of 18 total declarations
- Homes built before 1980
- 55%[2]the highest share of the 15 Dallas–Fort Worth–area suburbs we cover
- Households renting
- 38%[2]2020–2024
What the local data means for water damage in Garland
Garland is one of the most established suburbs tracked here — 249,625 people (2025 estimate), up just 1.4% since 2020[3]. On the map that's 56.9 square miles holding 4,390 residents per square mile, the 1st densest of the suburbs here; it spans Dallas County and Collin County, with ZIP codes 75040, 75043, 75044, 75041, 75042[4].
Garland mixes 10% of homes built since 2010 and 55% 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.
5 ZIP codes cover Garland — 75040 (28% of the city's land), 75043 (24% of the city's land), 75044 (18% of the city's land), 75041 (14% of the city's land), 75042 (13% of the city's land)[7].
Nearest of the other suburbs we track: Mesquite (10.7 mi S), Rockwall (11.2 mi E) and Plano (11.9 mi NW)[4].
460 flood-insurance claims have come from Garland-area ZIP codes (75040, 75043, 75044, 75041, 75042) since 1979, and $9,952,149 has been paid on them (about $26,971 per paid claim)[1]. 1990 was the worst year, with 112 claims. That is the 2nd-most of the 15 Dallas–Fort Worth–area suburbs we cover; for comparison, Mesquite (143), Rockwall (55), and Plano (114). Outside water is a real part of the picture here. Of the 452 claims rated in a flood zone, 355 were in FEMA's high-risk areas (zones A or V) and 96 outside them (zones B, C or X), with 1 in undetermined zone D[1][8] — flooding here is not only a high-risk-zone problem.
By month of loss, Garland-area flood claims cluster in March (22), April (213), and May (144) — 379 of 460 dated claims[1].
Within 10 miles of central Garland, weather observers filed 49 flood, flash-flood or heavy-rain reports in 2016–2025 (47 flash floods)[5]. Countywide: 3 flood declarations since 2000, latest Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4781, 2024)[6]. Nearby: Mesquite (16), Rockwall (16), and Plano (36).
55% of Garland's 86,216 housing units predate 1980[2] — the highest share of the 15 Dallas–Fort Worth–area suburbs we cover (Mesquite (41%), Rockwall (8%), and Plano (18%)). Aging supply lines and valves are the usual hidden-leak suspects in houses that old.
Freeze days in the dallas zone: 20 in 2016–2025, latest Feb 18, 2025[5]. Nearby: Mesquite (20), Rockwall (9), and Plano (14).
62% of Garland households own their home[2], so most claims and rebuilds here are coordinated by the owner.
Among the 15 suburbs tracked here, Garland stands out for the highest pre-1980 housing share (55%)[2], the oldest housing (by median year built) (1978)[2], the 2nd-most NFIP flood claims (460)[1], and the 2nd-most flood reports nearby (49)[5].
How a leak spreads inside a wall
Leaked water spreads outward and wicks up drywall the longer it runs.
Garland storm calendar
Within 10 miles of Garland, 2016–2025: 47 flash-flood reports and 2 flood reports[5]. Peak: spread out; April, May, and June held 59%. Busiest year 2025 (22); 2 of 10 years had none. Busiest month June 2025 (7). Latest: flash-flood report, Nov 20, 2025, 7.3 mi out.
| Month | Flash flood | Flood | Heavy rain | All |
|---|---|---|---|---|
| Jan | 4 | – | – | 4 |
| Feb | 1 | 1 | – | 2 |
| Apr | 5 | – | – | 5 |
| May | 8 | 1 | – | 9 |
| Jun | 15 | – | – | 15 |
| Jul | 3 | – | – | 3 |
| Aug | 5 | – | – | 5 |
| Sep | 3 | – | – | 3 |
| Nov | 2 | – | – | 2 |
| Dec | 1 | – | – | 1 |
Finding water damage help around Garland
Water damage restoration contractors taking requests around Garland cover ZIP codes 75040, 75043, 75044, 75041, 75042.
Before you call: what a restoration crew does first
Shared walls and ceilings: Garland homes by building type
With 68%[2] of homes detached, most Garland 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: 7,511 of 86,216 housing units[2].
| Building type | Units | Share | Margin of error |
|---|---|---|---|
| Detached house | 58,992 | 68.4% | ±1,398 |
| Attached house (townhouse, rowhouse) | 2,895 | 3.4% | ±456 |
| Duplex (2 units) | 661 | 0.8% | ±264 |
| 3–4 units | 2,545 | 3.0% | ±628 |
| 5–9 units | 3,774 | 4.4% | ±598 |
| 10–19 units | 7,511 | 8.7% | ±885 |
| 20–49 units | 4,392 | 5.1% | ±616 |
| 50 or more units | 5,104 | 5.9% | ±691 |
| Mobile home | 342 | 0.4% | ±169 |
Margins of error are the Census Bureau’s 90% intervals; small categories in small cities are rough.
Garland by the numbers
| Measure | Garland | Median of 15 | Difference |
|---|---|---|---|
| NFIP flood claims (area ZIPs) | 460 | 127 | 333 more |
| Built before 1980 | 55% | 18% | 36 pts higher |
| Flood reports (10 mi) | 49 | 24 | 25 more |
| Median home value | $270,800 | $381,000 | 29% lower |
| Median year built | 1978 | 1997 | 19 years older |
| Renter-occupied | 38% | 38% | same as median |
| Owner-occupied | 62% | 62% | same as median |
Largest differences first. Medians are the middle value across the covered Dallas–Fort Worth–area suburbs, from the same sources.
| City | NFIP claims | Flood reports ≤10 mi | Freeze days | Built before 1980 | Renting |
|---|---|---|---|---|---|
| Garland | 460 | 49 | 20 | 55% | 38% |
| Mesquite 10.7 mi | 143 | 16 | 20 | 41% | 37% |
| Rockwall 11.2 mi | 55 | 16 | 9 | 8% | 28% |
| Plano 11.9 mi | 114 | 36 | 14 | 18% | 43% |
| Allen 13.9 mi | 56 | 27 | 14 | 7% | 31% |
| Carrollton 16.6 mi | 115 | 48 | 14 | 26% | 41% |
| ZIP | Claims | Paid | Busiest year | Outside high-risk zones |
|---|---|---|---|---|
| 75040 | 39 | $630,619 | 1990 (19) | 7 of 39 |
| 75043 | 48 | $709,573 | 1991 (7) | 34 of 48 |
| 75044 | 28 | $129,640 | 2015 (6) | 19 of 27 |
| 75041 | 283 | $7,513,873 | 1991 (72) | 30 of 276 |
| 75042 | 62 | $968,444 | 1990 (22) | 6 of 62 |
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 |
|---|---|
| 2025 | 3 |
| 2024 | 1 |
| 2021 | 2 |
| 2020 | 1 |
| 2019 | 2 |
| 2018 | 2 |
| 2016 | 3 |
| 2015 | 81 |
| 2013 | 1 |
| 2012 | 1 |
| 2011 | 4 |
| 2010 | 1 |
| Month | Claims |
|---|---|
| January | 2 |
| February | 7 |
| March | 22 |
| April | 213 |
| May | 144 |
| June | 12 |
| July | 14 |
| August | 5 |
| September | 14 |
| October | 17 |
| November | 7 |
| December | 3 |
| Date | Type | Distance |
|---|---|---|
| Nov 20, 2025 | Flash Flood | 8.5 mi |
| Nov 20, 2025 | Flash Flood | 7.3 mi |
| Aug 31, 2025 | Flash Flood | 0.7 mi |
| Aug 31, 2025 | Flash Flood | 7.2 mi |
| Aug 30, 2025 | Flash Flood | 2.9 mi |
| Aug 30, 2025 | Flash Flood | 6.7 mi |
| Jul 8, 2025 | Flash Flood | 9.7 mi |
| Jul 8, 2025 | Flash Flood | 9.7 mi |
| ZIP (ZCTA) | Share of Garland's land | Share of the ZIP inside the city |
|---|---|---|
| 75040 | 28% | 100% |
| 75043 | 24% | 93% |
| 75044 | 18% | 100% |
| 75041 | 14% | 99% |
| 75042 | 13% | 100% |
water damage questions from Garland homeowners
Do I need flood insurance in Garland?
Homeowners policies exclude outside floodwater[9], and Garland-area ZIPs have 14 NFIP claims in just the last ten years[1].
Which Garland ZIP codes do these crews cover?
75040, 75043, 75044, 75041, and 75042[7], in Dallas County. Nearby pages: Mesquite (10.7 mi), Rockwall (11.2 mi), and Plano (11.9 mi)[4].
Which Garland ZIP code has the most flood claims?
75041, with 283 NFIP claims and $7,513,873 paid[1].
When was the last flood report near Garland?
Nov 20, 2025: a flash flood report 8.5 miles from the city center[5].
A lot of Garland homes predate 1980 — what does that mean for plumbing fixtures and water heater work?
55% of Garland's housing units were built before 1980, 11.1% before 1960[2] — the highest share of the 15 Dallas–Fort Worth–area suburbs we cover. Older supply lines and original shut-off valves are common failure points — know where your main shut-off is before you need it.
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.