Water damage restoration · McKinney, Texas
Water damage restoration in McKinney, TX
Burst pipe, failed water heater, or storm water? McKinney-area ZIPs: 57 flood claims since 1981[1]; 8% of homes built before 1980[2]. Request help from local restoration crews. McKinney, in Collin County — ZIPs 75071, 75069, 75072, 75070, counts 236,001 residents (2025 estimate)[3].
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McKinney at a glance for water damage
- Population (2025 est.)
- 236,001[3]+20.8% since 2020
- County
- Collin[3]
- Land area
- 68.7 sq mi[4]
- Flood-insurance (NFIP) claims, local ZIPs
- 57 since 1981[1]$1,004,132 paid across 42 claims · ZIP 75071, 75069, 75072, 75070
- Flood & flash-flood reports within 10 mi
- 11[5]2016–2025 · latest Sep 22, 2025
- Winter-storm & freeze days, collin zone
- 14[5]2016–2025; hard freezes burst pipes
- Federal disaster declarations incl. flooding, Collin Co.
- 2[6]of 14 total declarations
- Homes built before 1980
- 8%[2]the 4th-lowest share of the 15 Dallas–Fort Worth–area suburbs we cover
- Households renting
- 36%[2]2020–2024
What McKinney's numbers say about water damage
McKinney is one of the fastest-growing Dallas–Fort Worth suburbs tracked here: 236,001 people (2025 estimate), up 20.8% since 2020[3]. The city spans 68.7 square miles at 3,436 residents per square mile (the 8th densest) and sits entirely in Collin County, served by ZIP codes 75071, 75069, 75072, 75070[4].
McKinney mixes 40% of homes built since 2010 and 8% 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 McKinney — 75071 (41% of the city's land), 75069 (24% of the city's land), 75072 (18% of the city's land), 75070 (17% of the city's land)[7].
The closest tracked neighbours are Allen (6.5 mi S), Frisco (9.7 mi W) and Plano (11.5 mi SW)[4].
57 flood-insurance claims have come from McKinney-area ZIP codes (75071, 75069, 75072, 75070) since 1981, and $1,004,132 has been paid on them (about $23,908 per paid claim)[1]. 1990 was the worst year, with 10 claims. That is the 5th-fewest of the 15 Dallas–Fort Worth–area suburbs we cover; for comparison, Allen (56), Frisco (32), and Plano (114). Most jobs here start inside the house. Of the 56 claims rated in a flood zone, 29 were in FEMA's high-risk areas (zones A or V) and 27 outside them (zones B, C or X)[1][8] — flooding here is not only a high-risk-zone problem.
By month of loss, McKinney-area flood claims cluster in March (7), April (9), and May (21) — 37 of 57 dated claims[1].
Within 10 miles of central McKinney, weather observers filed 11 flood, flash-flood or heavy-rain reports in 2016–2025 (10 flash floods)[5]. Countywide: 2 flood declarations since 2000, latest Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4781, 2024)[6]. Nearby: Allen (27), Frisco (17), and Plano (36).
8% of McKinney's 77,617 housing units predate 1980[2] — the 4th-lowest share of the 15 Dallas–Fort Worth–area suburbs we cover (Allen (7%), Frisco (2%), and Plano (18%)). In newer houses, check fittings, washer hoses and the water-heater pan first — and any builder warranty.
64% of McKinney households own their home[2], so most claims and rebuilds here are coordinated by the owner.
Measured against the 15 suburbs on this site, McKinney records the fewest flood reports nearby (11)[5], the 2nd-newest housing (by median year built) (2007)[2], and the 3rd-highest median home value ($471,800)[2].
How a leak spreads inside a wall
Water on the move: it spreads across floors and wicks upward into drywall until it is stopped.
McKinney storm calendar
Within 10 miles of McKinney, 2016–2025: 10 flash-flood reports and 1 flood report[5]. Peak: 82% in April, May, and July. Busiest year 2017 (3); 5 of 10 years had none. Busiest month July 2017 (3). Latest: flash-flood report, Sep 22, 2025, 3.9 mi out.
| Month | Flash flood | Flood | Heavy rain | All |
|---|---|---|---|---|
| Apr | 4 | – | – | 4 |
| May | 2 | – | – | 2 |
| Jul | 3 | – | – | 3 |
| Sep | 1 | – | – | 1 |
| Oct | – | 1 | – | 1 |
water damage help in McKinney: what to do next
Water damage restoration contractors taking requests around McKinney cover ZIP codes 75071, 75069, 75072, 75070.
Before you call: what a restoration crew does first
Shared walls and ceilings: McKinney homes by building type
With 70%[2] of homes detached, most McKinney water-damage jobs stay inside one house — the owner's policy and the owner's call.
After detached houses, the biggest group is 50 or more units: 6,670 of 77,617 housing units[2].
| Building type | Units | Share | Margin of error |
|---|---|---|---|
| Detached house | 54,718 | 70.5% | ±1,131 |
| Attached house (townhouse, rowhouse) | 2,152 | 2.8% | ±387 |
| Duplex (2 units) | 885 | 1.1% | ±293 |
| 3–4 units | 1,441 | 1.9% | ±363 |
| 5–9 units | 2,996 | 3.9% | ±461 |
| 10–19 units | 4,936 | 6.4% | ±773 |
| 20–49 units | 3,073 | 4.0% | ±639 |
| 50 or more units | 6,670 | 8.6% | ±688 |
| Mobile home | 730 | 0.9% | ±239 |
| Boat, RV, van, etc. | 16 | 0.0% | ±26 |
Margins of error are the Census Bureau’s 90% intervals; small categories in small cities are rough.
The data underneath this McKinney page
| Measure | McKinney | Median of 15 | Difference |
|---|---|---|---|
| Built before 1980 | 8% | 18% | 11 pts lower |
| NFIP flood claims (area ZIPs) | 57 | 127 | 70 fewer |
| Flood reports (10 mi) | 11 | 24 | 13 fewer |
| Median home value | $471,800 | $381,000 | 24% higher |
| Renter-occupied | 36% | 38% | 2 pts lower |
| Owner-occupied | 64% | 62% | 2 pts higher |
| Median year built | 2007 | 1997 | 10 years newer |
Biggest gaps first. Medians are middle values across the Dallas–Fort Worth–area suburbs we cover, drawn from the same sources.
| City | NFIP claims | Flood reports ≤10 mi | Freeze days | Built before 1980 | Renting |
|---|---|---|---|---|---|
| McKinney | 57 | 11 | 14 | 8% | 36% |
| Allen 6.5 mi | 56 | 27 | 14 | 7% | 31% |
| Frisco 9.7 mi | 32 | 17 | 14 | 2% | 34% |
| Plano 11.5 mi | 114 | 36 | 14 | 18% | 43% |
| Carrollton 20.0 mi | 115 | 48 | 14 | 26% | 41% |
| Garland 20.2 mi | 460 | 49 | 20 | 55% | 38% |
| ZIP | Claims | Paid | Busiest year | Outside high-risk zones |
|---|---|---|---|---|
| 75071 | 7 | $218,558 | 1990 (3) | 3 of 7 |
| 75069 | 30 | $281,239 | 1989 (3) | 13 of 30 |
| 75072 | 7 | $36,311 | 2018 (2) | 6 of 7 |
| 75070 | 13 | $468,024 | 1990 (5) | 5 of 12 |
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 |
| 2022 | 1 |
| 2021 | 2 |
| 2020 | 2 |
| 2018 | 3 |
| 2017 | 1 |
| 2016 | 2 |
| 2015 | 5 |
| 2012 | 1 |
| 2008 | 1 |
| 2007 | 2 |
| 2005 | 1 |
| Month | Claims |
|---|---|
| January | 4 |
| February | 1 |
| March | 7 |
| April | 9 |
| May | 21 |
| June | 2 |
| July | 1 |
| September | 1 |
| October | 5 |
| November | 4 |
| December | 2 |
| Date | Type | Distance |
|---|---|---|
| Sep 22, 2025 | Flash Flood | 3.9 mi |
| Apr 30, 2025 | Flash Flood | 6.4 mi |
| May 30, 2024 | Flash Flood | 9.5 mi |
| May 30, 2024 | Flash Flood | 2.3 mi |
| Apr 4, 2022 | Flash Flood | 1.5 mi |
| Apr 4, 2022 | Flash Flood | 3.0 mi |
| Apr 4, 2022 | Flash Flood | 7.8 mi |
| Oct 19, 2018 | Flood | 9.7 mi |
| ZIP (ZCTA) | Share of McKinney's land | Share of the ZIP inside the city |
|---|---|---|
| 75071 | 41% | 37% |
| 75069 | 24% | 47% |
| 75072 | 18% | 98% |
| 75070 | 17% | 100% |
water damage questions from McKinney homeowners
Do I need flood insurance in McKinney?
Homeowners policies exclude outside floodwater[9], and McKinney-area ZIPs have 12 NFIP claims in just the last ten years[1].
Which McKinney ZIP codes do these crews cover?
75071, 75069, 75072, and 75070[7], in Collin County. Nearby pages: Allen (6.5 mi), Frisco (9.7 mi), and Plano (11.5 mi)[4].
Which McKinney ZIP code has the most flood claims?
75069, with 30 NFIP claims and $281,239 paid[1].
When was the last flood report near McKinney?
Sep 22, 2025: a flash flood report 3.9 miles from the city center[5].
My McKinney home is fairly new — could the plumbing fixtures and water heater still be under warranty?
Possibly: 40% of McKinney's housing units were built in 2010 or later[2], the 2nd-highest share of the 15 Dallas–Fort Worth–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.