Water damage restoration · Commerce City, Colorado
Water damage restoration in Commerce City, CO
Burst pipe, failed water heater, or storm water? Commerce City-area ZIPs: 6 flood claims since 1984[1]; 24% of homes built before 1980[2]. Request help from local restoration crews. Commerce City, in Adams County — ZIPs 80022, 80640, counts 72,345 residents (2025 estimate)[3].
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Commerce City at a glance for water damage
- Population (2025 est.)
- 72,345[3]+15.9% since 2020
- County
- Adams[3]
- Land area
- 36.9 sq mi[4]
- Flood-insurance (NFIP) claims, local ZIPs
- 6 since 1984[1]$4,454 paid across 2 claims · ZIP 80022, 80640
- Flood & flash-flood reports within 10 mi
- 2[5]2016–2025 · latest Aug 10, 2025
- Federal disaster declarations incl. flooding, Adams Co.
- 3[6]of 9 total declarations
- Homes built before 1980
- 24%[2]the 5th-lowest share of the 15 Denver-area suburbs we cover
- Households renting
- 23%[2]2020–2024
Reading the Commerce City data for water damage
Commerce City is one of the fastest-growing Denver-metro suburbs tracked here: 72,345 people (2025 estimate), up 15.9% since 2020[3]. It covers 36.9 square miles (1,960 residents per square mile, the 15th densest), sits entirely in Adams County, in ZIP codes 80022, 80640[4].
Commerce City mixes 30% of homes built since 2010 and 24% 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.
2 ZIP codes cover Commerce City — 80022 (75% of the city's land), 80640 (19% of the city's land)[7].
Nearest of the other suburbs we track: Brighton (5.7 mi N), Thornton (8.2 mi W) and Northglenn (10.1 mi W)[4].
6 flood-insurance claims have come from Commerce City-area ZIP codes (80022, 80640) since 1984, and $4,454 has been paid on them (about $2,227 per paid claim)[1]. 1984 was the worst year, with 1 claim. That is the fewest of the 15 Denver-area suburbs we cover; for comparison, Brighton (8), Thornton (34), and Northglenn (19). Most jobs here start inside the house. Of the 6 claims rated in a flood zone, 1 was in FEMA's high-risk areas (zones A or V) and 5 outside them (zones B, C or X)[1][8] — flooding here is not only a high-risk-zone problem.
By month of loss, Commerce City-area flood claims cluster in April (1), May (3), and June (1) — 5 of 6 dated claims[1].
Within 10 miles of central Commerce City, weather observers filed 2 flood, flash-flood or heavy-rain reports in 2016–2025 (1 flash floods)[5]. Countywide: 3 flood declarations since 2000, latest Severe Storms, Tornadoes, Flooding, Landslides, and Mudslides (DR-4229, 2015)[6]. Nearby: Brighton (2), Thornton (7), and Northglenn (11).
24% of Commerce City's 23,169 housing units predate 1980[2] — the 5th-lowest share of the 15 Denver-area suburbs we cover (Brighton (31%), Thornton (22%), and Northglenn (60%)). In newer houses, check fittings, washer hoses and the water-heater pan first — and any builder warranty.
77% of Commerce City households own their home[2], so most claims and rebuilds here are coordinated by the owner.
Out of the 15 suburbs on this site, Commerce City has the fewest NFIP flood claims (6)[1], the 2nd-fewest flood reports nearby (2, tied with Brighton)[5], the 2nd-newest housing (by median year built) (2005)[2], and the 3rd-lowest renter share (23%)[2].
How a leak spreads inside a wall
Leaked water spreads outward and wicks up drywall the longer it runs.
Get water damage help in Commerce City
Requests go to Water damage restoration contractors serving the Commerce City area — ZIP codes 80022, 80640.
Before you pick up the phone: what a restoration crew does first
Shared walls and ceilings: Commerce City homes by building type
With 79%[2] of homes detached, most Commerce City 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): 2,373 of 23,169 housing units[2].
| Building type | Units | Share | Margin of error |
|---|---|---|---|
| Detached house | 18,266 | 78.8% | ±826 |
| Attached house (townhouse, rowhouse) | 2,373 | 10.2% | ±441 |
| Duplex (2 units) | 61 | 0.3% | ±60 |
| 3–4 units | 504 | 2.2% | ±201 |
| 5–9 units | 444 | 1.9% | ±159 |
| 10–19 units | 561 | 2.4% | ±299 |
| 20–49 units | 114 | 0.5% | ±91 |
| 50 or more units | 407 | 1.8% | ±188 |
| Mobile home | 439 | 1.9% | ±205 |
Margins of error are the Census Bureau’s 90% intervals; small categories in small cities are rough.
The Commerce City numbers behind this page
| Measure | Commerce City | Median of 15 | Difference |
|---|---|---|---|
| NFIP flood claims (area ZIPs) | 6 | 35 | 29 fewer |
| Flood reports (10 mi) | 2 | 6 | 4 fewer |
| Renter-occupied | 23% | 37% | 14 pts lower |
| Built before 1980 | 24% | 37% | 13 pts lower |
| Owner-occupied | 77% | 63% | 14 pts higher |
| Median home value | $499,700 | $574,400 | 13% lower |
| Median year built | 2005 | 1987 | 18 years newer |
Largest differences first. Medians are the middle value across the covered Denver-area suburbs, from the same sources.
| City | NFIP claims | Flood reports ≤10 mi | Built before 1980 | Renting |
|---|---|---|---|---|
| Commerce City | 6 | 2 | 24% | 23% |
| Brighton 5.7 mi | 8 | 2 | 31% | 29% |
| Thornton 8.2 mi | 34 | 7 | 22% | 29% |
| Northglenn 10.1 mi | 19 | 11 | 60% | 39% |
| Aurora 12.6 mi | 109 | 6 | 37% | 38% |
| Westminster 14.1 mi | 45 | 14 | 34% | 38% |
| ZIP | Claims | Paid | Busiest year | Outside high-risk zones |
|---|---|---|---|---|
| 80022 | 5 | $4,454 | 1984 (1) | 4 of 5 |
| 80640 | 1 | $0 | 2015 (1) | 1 of 1 |
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 |
|---|---|
| 2017 | 1 |
| 2015 | 1 |
| 2004 | 1 |
| 1989 | 1 |
| 1987 | 1 |
| 1984 | 1 |
| Month | Claims |
|---|---|
| April | 1 |
| May | 3 |
| June | 1 |
| July | 1 |
| Date | Type | Distance |
|---|---|---|
| Aug 10, 2025 | Flash Flood | 5.6 mi |
| Jul 23, 2018 | Heavy Rain | 6.5 mi |
| ZIP (ZCTA) | Share of Commerce City's land | Share of the ZIP inside the city |
|---|---|---|
| 80022 | 75% | 34% |
| 80640 | 19% | 51% |
Commerce City water damage questions
Do I need flood insurance in Commerce City?
Homeowners policies exclude outside floodwater[9], and Commerce City-area ZIPs have 1 NFIP claim in just the last ten years[1].
Which Commerce City ZIP codes do these crews cover?
80022 and 80640[7], in Adams County. Nearby pages: Brighton (5.7 mi), Thornton (8.2 mi), and Northglenn (10.1 mi)[4].
Which Commerce City ZIP code has the most flood claims?
80022, with 5 NFIP claims and $4,454 paid[1].
When was the last flood report near Commerce City?
Aug 10, 2025: a flash flood report 5.6 miles from the city center[5].
My Commerce City home is fairly new — could the plumbing fixtures and water heater still be under warranty?
Possibly: 30% of Commerce City's housing units were built in 2010 or later[2], the 3rd-highest share of the 15 Denver-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.