Water damage restoration · Bloomington, Minnesota
Water damage restoration in Bloomington, MN
Burst pipe, failed water heater, or storm water? Bloomington-area ZIPs: 41 flood claims since 1978[1]; 67% of homes built before 1980[2]. Request help from local restoration crews. Bloomington, in Hennepin County — ZIPs 55438, 55431, 55437, 55420, 55425, counts 89,034 residents (2025 estimate)[3].
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Bloomington water damage snapshot: the key figures
- Population (2025 est.)
- 89,034[3]-1.0% since 2020
- County
- Hennepin[3]
- Land area
- 34.7 sq mi[4]
- Flood-insurance (NFIP) claims, local ZIPs
- 41 since 1978[1]$295,112 paid across 25 claims · ZIP 55438, 55431, 55437, 55420, 55425
- Flood & flash-flood reports within 10 mi
- 24[5]2016–2025 · latest Jun 16, 2025
- Winter-storm & freeze days, hennepin zone
- 55[5]2016–2025; hard freezes burst pipes
- Federal disaster declarations incl. flooding, Hennepin Co.
- 5[6]of 10 total declarations
- Homes built before 1980
- 67%[2]the 2nd-highest share of the 15 Twin Cities–area suburbs we cover
- Households renting
- 34%[2]2020–2024
What the local data means for water damage in Bloomington
Bloomington counts 89,034 residents (2025 estimate), growing at a middle-of-the-pack -1.0% since 2020[3]. It covers 34.7 square miles (2,566 residents per square mile, the 6th densest), sits entirely in Hennepin County, in ZIP codes 55438, 55431, 55437, 55420, 55425[4].
Bloomington mixes 7% of homes built since 2010 and 67% 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.
Bloomington is split across 5 ZIP codes: 55438 (24% of the city's land), 55431 (23% of the city's land), 55437 (19% of the city's land), 55420 (19% of the city's land), 55425 (13% of the city's land)[7].
The closest tracked neighbours are Edina (4.8 mi NW), Burnsville (4.8 mi S) and Eden Prairie (7.2 mi W)[4].
41 flood-insurance claims have come from Bloomington-area ZIP codes (55438, 55431, 55437, 55420, 55425) since 1978, and $295,112 has been paid on them (about $11,804 per paid claim)[1]. 1978 was the worst year, with 7 claims. That is the 3rd-most of the 15 Twin Cities–area suburbs we cover; for comparison, Edina (92), Burnsville (20), and Eden Prairie (18). Outside water is a real part of the picture here. Of the 40 claims rated in a flood zone, 4 were in FEMA's high-risk areas (zones A or V) and 36 outside them (zones B, C or X)[1][8] — flooding here is not only a high-risk-zone problem.
By month of loss, Bloomington-area flood claims cluster in June (9), July (10), and August (10) — 29 of 41 dated claims[1].
Within 10 miles of central Bloomington, weather observers filed 24 flood, flash-flood or heavy-rain reports in 2016–2025 (12 flash floods)[5]. Countywide: 5 flood declarations since 2000, latest Severe Storms and Flooding (DR-4290, 2016)[6]. Nearby: Edina (25), Burnsville (15), and Eden Prairie (24).
67% of Bloomington's 39,261 housing units predate 1980[2] — the 2nd-highest share of the 15 Twin Cities–area suburbs we cover (Edina (68%), Burnsville (45%), and Eden Prairie (24%)). Aging supply lines and valves are the usual hidden-leak suspects in houses that old.
66% of Bloomington households own their home[2], so most claims and rebuilds here are coordinated by the owner.
Among the 15 suburbs tracked here, Bloomington stands out for the 2nd-highest pre-1980 housing share (67%)[2], the 2nd-oldest housing (by median year built) (1972)[2], the 2nd-highest renter share (34%)[2], and the 3rd-most NFIP flood claims (41)[1].
How a leak spreads inside a wall
Water on the move: it spreads across floors and wicks upward into drywall until it is stopped.
Bloomington storm calendar
Within 10 miles of Bloomington, 2016–2025: 12 flash-flood reports, 2 flood reports, and 10 heavy-rain reports[5]. Peak: 96% in June, July, and August. Busiest year 2016 (10); 3 of 10 years had none. Busiest month August 2016 (9). Latest: flood report, Jun 16, 2025, 8.2 mi out.
| Month | Flash flood | Flood | Heavy rain | All |
|---|---|---|---|---|
| Mar | – | 1 | – | 1 |
| Jun | – | 1 | 4 | 5 |
| Jul | 5 | – | – | 5 |
| Aug | 7 | – | 6 | 13 |
Finding water damage help around Bloomington
Your request reaches Water damage restoration contractors who serve Bloomington (ZIP codes 55438, 55431, 55437, 55420, 55425).
Before you call: what a restoration crew does first
Shared walls and ceilings: Bloomington homes by building type
47%[2] of Bloomington's homes share walls, floors or ceilings with a neighbour (multi-unit buildings alone: 37%, the 2nd-highest multi-unit share of the 15 Twin Cities–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 50 or more units: 7,531 of 39,261 housing units[2].
| Building type | Units | Share | Margin of error |
|---|---|---|---|
| Detached house | 20,673 | 52.7% | ±856 |
| Attached house (townhouse, rowhouse) | 3,790 | 9.7% | ±590 |
| Duplex (2 units) | 381 | 1.0% | ±158 |
| 3–4 units | 1,068 | 2.7% | ±302 |
| 5–9 units | 884 | 2.3% | ±183 |
| 10–19 units | 1,419 | 3.6% | ±348 |
| 20–49 units | 3,363 | 8.6% | ±420 |
| 50 or more units | 7,531 | 19.2% | ±586 |
| Mobile home | 152 | 0.4% | ±81 |
Margins of error are the Census Bureau’s 90% intervals; small categories in small cities are rough.
Bloomington by the numbers
| Measure | Bloomington | Median of 15 | Difference |
|---|---|---|---|
| NFIP flood claims (area ZIPs) | 41 | 18 | 23 more |
| Built before 1980 | 67% | 30% | 37 pts higher |
| Renter-occupied | 34% | 25% | 9 pts higher |
| Owner-occupied | 66% | 75% | 9 pts lower |
| Median home value | $361,700 | $397,100 | 9% lower |
| Median year built | 1972 | 1988 | 16 years older |
| Flood reports (10 mi) | 24 | 24 | same as median |
Biggest gaps first. Medians are middle values across the Twin Cities–area suburbs we cover, drawn from the same sources.
| City | NFIP claims | Flood reports ≤10 mi | Built before 1980 | Renting |
|---|---|---|---|---|
| Bloomington | 41 | 24 | 67% | 34% |
| Edina 4.8 mi | 92 | 25 | 68% | 28% |
| Burnsville 4.8 mi | 20 | 15 | 45% | 35% |
| Eden Prairie 7.2 mi | 18 | 24 | 24% | 24% |
| Eagan 7.5 mi | 15 | 11 | 25% | 32% |
| Apple Valley 8.1 mi | 6 | 11 | 30% | 27% |
| ZIP | Claims | Paid | Busiest year | Outside high-risk zones |
|---|---|---|---|---|
| 55438 | 9 | $81,282 | 1997 (2) | 9 of 9 |
| 55431 | 7 | $17,140 | 1983 (1) | 5 of 6 |
| 55437 | 16 | $159,805 | 2014 (4) | 14 of 16 |
| 55420 | 9 | $36,885 | 1978 (5) | 8 of 9 |
| 55425 | 0 | $0 | — | — |
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 |
|---|---|
| 2023 | 1 |
| 2022 | 1 |
| 2019 | 2 |
| 2015 | 2 |
| 2014 | 6 |
| 2013 | 2 |
| 2002 | 1 |
| 2001 | 2 |
| 1998 | 1 |
| 1997 | 3 |
| 1993 | 1 |
| 1990 | 1 |
| Month | Claims |
|---|---|
| February | 1 |
| March | 6 |
| April | 3 |
| May | 1 |
| June | 9 |
| July | 10 |
| August | 10 |
| October | 1 |
| Date | Type | Distance |
|---|---|---|
| Jun 16, 2025 | Flood | 8.2 mi |
| Jun 15, 2024 | Heavy Rain | 8.6 mi |
| Aug 24, 2021 | Heavy Rain | 0.8 mi |
| Aug 9, 2020 | Heavy Rain | 7.6 mi |
| Aug 9, 2020 | Heavy Rain | 9.1 mi |
| Jun 28, 2020 | Heavy Rain | 8.1 mi |
| Jun 28, 2020 | Heavy Rain | 7.7 mi |
| Jul 16, 2019 | Flash Flood | 8.0 mi |
| ZIP (ZCTA) | Share of Bloomington's land | Share of the ZIP inside the city |
|---|---|---|
| 55438 | 24% | 100% |
| 55431 | 23% | 100% |
| 55437 | 19% | 100% |
| 55420 | 19% | 100% |
| 55425 | 13% | 100% |
Common Bloomington water damage questions
Do I need flood insurance in Bloomington?
Homeowners policies exclude outside floodwater[9], and Bloomington-area ZIPs have 4 NFIP claims in just the last ten years[1].
Which Bloomington ZIP codes do these crews cover?
55438, 55431, 55437, 55420, and 55425[7], in Hennepin County. Nearby pages: Edina (4.8 mi), Burnsville (4.8 mi), and Eden Prairie (7.2 mi)[4].
Which Bloomington ZIP code has the most flood claims?
55437, with 16 NFIP claims and $159,805 paid[1].
When was the last flood report near Bloomington?
Jun 16, 2025: a flood report 8.2 miles from the city center[5].
A lot of Bloomington homes predate 1980 — what does that mean for plumbing fixtures and water heater work?
67% of Bloomington's housing units were built before 1980, 28.6% before 1960[2] — the 2nd-highest share of the 15 Twin Cities–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.
I rent in Bloomington. Who arranges the repair?
34% of occupied Bloomington homes are rented[2], the 2nd-highest share of the 15 Twin Cities–area suburbs we cover. Tell your landlord or property manager in writing first; your lease says who arranges repairs.
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.