Water damage restoration · Excelsior Springs, Missouri
Water damage restoration in Excelsior Springs, MO
Burst pipe, failed water heater, or storm water? Excelsior Springs-area ZIPs: 157 flood claims since 1978[1]; 64% of homes built before 1980[2]. Request help from local restoration crews. Excelsior Springs, in Clay County and Ray County — ZIP 64024, counts 10,819 residents (2025 estimate)[3].
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Excelsior Springs at a glance for water damage
- Population (2025 est.)
- 10,819[3]+2.5% since 2020
- County
- Clay / Ray[3]city spans more than one county
- Land area
- 10.8 sq mi[4]
- Flood-insurance (NFIP) claims, local ZIPs
- 157 since 1978[1]$3,335,517 paid across 126 claims · ZIP 64024
- Flood & flash-flood reports within 10 mi
- 13[5]2016–2025 · latest May 24, 2022
- Winter-storm & freeze days, clay zone
- 15[5]2016–2025; hard freezes burst pipes
- Federal disaster declarations incl. flooding, Clay Co.
- 6[6]of 13 total declarations
- Homes built before 1980
- 64%[2]the 4th-highest share of the 14 Kansas City–area suburbs we cover
- Households renting
- 32%[2]2020–2024
What Excelsior Springs's numbers say about water damage
Excelsior Springs counts 10,819 residents (2025 estimate), growing at a middle-of-the-pack 2.5% since 2020[3]. The city spans 10.8 square miles at 998 residents per square mile (the 11th densest) and spans Clay County and Ray County, served by ZIP code 64024[4].
Excelsior Springs mixes 3% of homes built since 2010 and 64% 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.
64024 is the city's single ZIP code[7].
The closest tracked neighbours are Kearney (6.4 mi W), Liberty (11.7 mi SW) and Independence (18.6 mi S)[4].
157 flood-insurance claims have come from Excelsior Springs-area ZIP codes (64024) since 1978, and $3,335,517 has been paid on them (about $26,472 per paid claim)[1]. 1993 was the worst year, with 34 claims. That is the 4th-most of the 14 Kansas City–area suburbs we cover; for comparison, Kearney (3), Liberty (37), and Independence (388). Outside water is a real part of the picture here. Of the 155 claims rated in a flood zone, 100 were in FEMA's high-risk areas (zones A or V) and 55 outside them (zones B, C or X)[1][8] — flooding here is not only a high-risk-zone problem.
By month of loss, Excelsior Springs-area flood claims cluster in May (29), June (42), and August (31) — 102 of 157 dated claims[1].
Within 10 miles of central Excelsior Springs, weather observers filed 13 flood, flash-flood or heavy-rain reports in 2016–2025 (6 flash floods)[5]. Countywide: 6 flood declarations since 2000, latest Severe Storms, Tornadoes, and Flooding (DR-4451, 2019)[6]. Nearby: Kearney (11), Liberty (23), and Independence (15).
64% of Excelsior Springs's 4,337 housing units predate 1980[2] — the 4th-highest share of the 14 Kansas City–area suburbs we cover (Kearney (17%), Liberty (41%), and Independence (70%)). Aging supply lines and valves are the usual hidden-leak suspects in houses that old.
Freeze days in the clay zone: 15 in 2016–2025, latest Feb 18, 2025[5]. Nearby: Kearney (15), Liberty (15), and Independence (20).
68% of Excelsior Springs households own their home[2], so most claims and rebuilds here are coordinated by the owner.
Out of the 14 suburbs on this site, Excelsior Springs has the 3rd-oldest housing (by median year built) (1969)[2] and the 3rd-lowest median home value ($186,800)[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.
Excelsior Springs storm calendar
Within 10 miles of Excelsior Springs, 2016–2025: 6 flash-flood reports and 7 flood reports[5]. Peak: 85% in May, June, and August. Busiest year 2016 (4); 5 of 10 years had none. Busiest month June 2021 (3). Latest: flood report, May 24, 2022, 4.0 mi out.
| Month | Flash flood | Flood | Heavy rain | All |
|---|---|---|---|---|
| Apr | 1 | – | – | 1 |
| May | 1 | 2 | – | 3 |
| Jun | 1 | 3 | – | 4 |
| Jul | 1 | – | – | 1 |
| Aug | 2 | 2 | – | 4 |
water damage help in Excelsior Springs: what to do next
Water damage restoration contractors taking requests around Excelsior Springs cover ZIP code 64024.
Before you call: what a restoration crew does first
Shared walls and ceilings: Excelsior Springs homes by building type
With 74%[2] of homes detached, most Excelsior Springs water-damage jobs stay inside one house — the owner's policy and the owner's call.
After detached houses, the biggest group is 3–4 units: 274 of 4,337 housing units[2].
| Building type | Units | Share | Margin of error |
|---|---|---|---|
| Detached house | 3,189 | 73.5% | ±289 |
| Attached house (townhouse, rowhouse) | 141 | 3.3% | ±113 |
| Duplex (2 units) | 145 | 3.3% | ±122 |
| 3–4 units | 274 | 6.3% | ±175 |
| 5–9 units | 183 | 4.2% | ±88 |
| 10–19 units | 79 | 1.8% | ±90 |
| 20–49 units | 100 | 2.3% | ±90 |
| 50 or more units | 149 | 3.4% | ±98 |
| Mobile home | 77 | 1.8% | ±63 |
Margins of error are the Census Bureau’s 90% intervals; small categories in small cities are rough.
Excelsior Springs by the numbers
| Measure | Excelsior Springs | Median of 14 | Difference |
|---|---|---|---|
| NFIP flood claims (area ZIPs) | 157 | 49 | 109 more |
| Built before 1980 | 64% | 40% | 24 pts higher |
| Median home value | $186,800 | $247,300 | 24% lower |
| Flood reports (10 mi) | 13 | 15 | 2 fewer |
| Median year built | 1969 | 1986 | 17 years older |
| Renter-occupied | 32% | 32% | about the same |
| Owner-occupied | 68% | 68% | about the same |
Sorted by largest difference. Each median is the middle value across the covered Kansas City–area suburbs, from the same sources.
| City | NFIP claims | Flood reports ≤10 mi | Freeze days | Built before 1980 | Renting |
|---|---|---|---|---|---|
| Excelsior Springs | 157 | 13 | 15 | 64% | 32% |
| Kearney 6.4 mi | 3 | 11 | 15 | 17% | 25% |
| Liberty 11.7 mi | 37 | 23 | 15 | 41% | 27% |
| Independence 18.6 mi | 388 | 15 | 20 | 70% | 39% |
| Gladstone 19.1 mi | 352 | 43 | 15 | 64% | 32% |
| Grain Valley 22.5 mi | 11 | 12 | 20 | 12% | 35% |
| ZIP | Claims | Paid | Busiest year | Outside high-risk zones |
|---|---|---|---|---|
| 64024 | 157 | $3,335,517 | 1993 (34) | 55 of 155 |
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 | 1 |
| 2021 | 4 |
| 2017 | 1 |
| 2016 | 2 |
| 2015 | 23 |
| 2009 | 1 |
| 2007 | 14 |
| 2001 | 1 |
| 1998 | 27 |
| 1997 | 1 |
| 1996 | 15 |
| 1995 | 1 |
| Month | Claims |
|---|---|
| March | 1 |
| April | 3 |
| May | 29 |
| June | 42 |
| July | 19 |
| August | 31 |
| September | 4 |
| October | 27 |
| December | 1 |
| Date | Type | Distance |
|---|---|---|
| May 24, 2022 | Flood | 4.0 mi |
| Jun 25, 2021 | Flash Flood | 7.3 mi |
| Jun 25, 2021 | Flood | 4.0 mi |
| Jun 25, 2021 | Flood | 9.9 mi |
| Jun 1, 2019 | Flood | 6.6 mi |
| May 24, 2019 | Flash Flood | 3.9 mi |
| May 1, 2019 | Flood | 6.9 mi |
| Aug 21, 2017 | Flood | 8.1 mi |
| ZIP (ZCTA) | Share of Excelsior Springs's land | Share of the ZIP inside the city |
|---|---|---|
| 64024 | 100% | 15% |
Common Excelsior Springs water damage questions
Do I need flood insurance in Excelsior Springs?
Homeowners policies exclude outside floodwater[9], and Excelsior Springs-area ZIPs have 8 NFIP claims in just the last ten years[1].
Which Excelsior Springs ZIP codes do these crews cover?
64024[7], in Clay County. Nearby pages: Kearney (6.4 mi), Liberty (11.7 mi), and Independence (18.6 mi)[4].
When was the last flood report near Excelsior Springs?
May 24, 2022: a flood report 4.0 miles from the city center[5].
A lot of Excelsior Springs homes predate 1980 — what does that mean for plumbing fixtures and water heater work?
64% of Excelsior Springs's housing units were built before 1980, 32.0% before 1960[2] — the 4th-highest share of the 14 Kansas City–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.