Water damage restoration · Lakeville, Minnesota
Water damage restoration in Lakeville, MN
Burst pipe, failed water heater, or storm water? Lakeville-area ZIPs: 12 flood claims since 1984[1]; 15% of homes built before 1980[2]. Request help from local restoration crews. Lakeville, in Dakota County — ZIP 55044, counts 79,270 residents (2025 estimate)[3].
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Lakeville water damage snapshot: the key figures
- Population (2025 est.)
- 79,270[3]+14.1% since 2020
- County
- Dakota[3]
- Land area
- 36.9 sq mi[4]
- Flood-insurance (NFIP) claims, local ZIPs
- 12 since 1984[1]$44,650 paid across 4 claims · ZIP 55044
- Flood & flash-flood reports within 10 mi
- 11[5]2016–2025 · latest Jun 28, 2020
- Winter-storm & freeze days, dakota zone
- 55[5]2016–2025; hard freezes burst pipes
- Federal disaster declarations incl. flooding, Dakota Co.
- 4[6]of 7 total declarations
- Homes built before 1980
- 15%[2]the 2nd-lowest share of the 15 Twin Cities–area suburbs we cover
- Households renting
- 12%[2]2020–2024
What the local data means for water damage in Lakeville
Lakeville is one of the fastest-growing Twin Cities suburbs tracked here: 79,270 people (2025 estimate), up 14.1% since 2020[3]. On the map that's 36.9 square miles holding 2,147 residents per square mile, the 12th densest of the suburbs here; it sits entirely in Dakota County, with ZIP code 55044[4].
Lakeville mixes 25% of homes built since 2010 and 15% 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.
The entire city sits in ZIP code 55044[7].
Nearest of the other suburbs we track: Apple Valley (5.4 mi NE), Burnsville (6.2 mi N) and Eagan (10.6 mi NE)[4].
12 flood-insurance claims have come from Lakeville-area ZIP codes (55044) since 1984, and $44,650 has been paid on them (about $11,163 per paid claim)[1]. 1993 was the worst year, with 2 claims. That is the 6th-fewest of the 15 Twin Cities–area suburbs we cover; for comparison, Apple Valley (6), Burnsville (20), and Eagan (15). Of the 12 claims rated in a flood zone, 3 were in FEMA's high-risk areas (zones A or V) and 9 outside them (zones B, C or X)[1][8] — flooding here is not only a high-risk-zone problem.
By month of loss, Lakeville-area flood claims cluster in June (3), July (3), and September (2) — 8 of 12 dated claims[1].
Within 10 miles of central Lakeville, weather observers filed 11 flood, flash-flood or heavy-rain reports in 2016–2025 (4 flash floods)[5]. Countywide: 4 flood declarations since 2000, latest Severe Storms and Flooding (DR-4069, 2012)[6]. Nearby: Apple Valley (11), Burnsville (15), and Eagan (11).
15% of Lakeville's 26,315 housing units predate 1980[2] — the 2nd-lowest share of the 15 Twin Cities–area suburbs we cover (Apple Valley (30%), Burnsville (45%), and Eagan (25%)). In newer houses, check fittings, washer hoses and the water-heater pan first — and any builder warranty.
88% of Lakeville households own their home[2], so most claims and rebuilds here are coordinated by the owner.
Among the 15 suburbs tracked here, Lakeville stands out for the newest housing (by median year built) (1999, tied with Shakopee)[2], the lowest renter share (12%)[2], the 2nd-fewest flood reports nearby (11, tied with Eagan and Apple Valley)[5], and the 2nd-lowest pre-1980 housing share (15%)[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.
Lakeville storm calendar
Within 10 miles of Lakeville, 2016–2025: 4 flash-flood reports, 1 flood report, and 6 heavy-rain reports[5]. Peak: 91% in March, June, and August. Busiest year 2016 (7); 7 of 10 years had none. Busiest month August 2016 (6). Latest: heavy-rain report, Jun 28, 2020, 3.6 mi out.
| Month | Flash flood | Flood | Heavy rain | All |
|---|---|---|---|---|
| Mar | – | 1 | – | 1 |
| Jun | – | – | 3 | 3 |
| Jul | – | – | 1 | 1 |
| Aug | 4 | – | 2 | 6 |
water damage help in Lakeville: what to do next
Requests go to Water damage restoration contractors serving the Lakeville area — ZIP code 55044.
Before reaching out: what a restoration crew does first
Shared walls and ceilings: Lakeville homes by building type
With 72%[2] of homes detached, most Lakeville 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): 4,104 of 26,315 housing units[2].
Lakeville also has 726 mobile homes (2.8%); for a leak under one, ask for a crew that works on manufactured homes.
| Building type | Units | Share | Margin of error |
|---|---|---|---|
| Detached house | 19,055 | 72.4% | ±543 |
| Attached house (townhouse, rowhouse) | 4,104 | 15.6% | ±486 |
| Duplex (2 units) | 86 | 0.3% | ±63 |
| 3–4 units | 416 | 1.6% | ±141 |
| 5–9 units | 374 | 1.4% | ±195 |
| 10–19 units | 99 | 0.4% | ±61 |
| 20–49 units | 260 | 1.0% | ±119 |
| 50 or more units | 1,097 | 4.2% | ±244 |
| Mobile home | 726 | 2.8% | ±171 |
| Boat, RV, van, etc. | 98 | 0.4% | ±101 |
Margins of error are the Census Bureau’s 90% intervals; small categories in small cities are rough.
Lakeville by the numbers
| Measure | Lakeville | Median of 15 | Difference |
|---|---|---|---|
| Flood reports (10 mi) | 11 | 24 | 13 fewer |
| Renter-occupied | 12% | 25% | 13 pts lower |
| Built before 1980 | 15% | 30% | 15 pts lower |
| NFIP flood claims (area ZIPs) | 12 | 18 | 6 fewer |
| Owner-occupied | 88% | 75% | 13 pts higher |
| Median home value | $452,500 | $397,100 | 14% higher |
| Median year built | 1999 | 1988 | 11 years newer |
Largest differences first. Medians are the middle value across the covered Twin Cities–area suburbs, from the same sources.
| City | NFIP claims | Flood reports ≤10 mi | Freeze days | Built before 1980 | Renting |
|---|---|---|---|---|---|
| Lakeville | 12 | 11 | 55 | 15% | 12% |
| Apple Valley 5.4 mi | 6 | 11 | 55 | 30% | 27% |
| Burnsville 6.2 mi | 20 | 15 | 55 | 45% | 35% |
| Eagan 10.6 mi | 15 | 11 | 55 | 25% | 32% |
| Bloomington 11.1 mi | 41 | 24 | 55 | 67% | 34% |
| Shakopee 12.8 mi | 18 | 24 | 51 | 22% | 25% |
| ZIP | Claims | Paid | Busiest year | Outside high-risk zones |
|---|---|---|---|---|
| 55044 | 12 | $44,650 | 1993 (2) | 9 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 |
|---|---|
| 2020 | 1 |
| 2019 | 1 |
| 2014 | 1 |
| 2011 | 2 |
| 2010 | 1 |
| 1998 | 2 |
| 1993 | 2 |
| 1988 | 1 |
| 1984 | 1 |
| Month | Claims |
|---|---|
| April | 1 |
| May | 1 |
| June | 3 |
| July | 3 |
| August | 1 |
| September | 2 |
| November | 1 |
| Date | Type | Distance |
|---|---|---|
| Jun 28, 2020 | Heavy Rain | 3.1 mi |
| Jun 28, 2020 | Heavy Rain | 3.6 mi |
| Jul 15, 2019 | Heavy Rain | 3.0 mi |
| Mar 17, 2019 | Flood | 8.7 mi |
| Aug 16, 2016 | Flash Flood | 2.1 mi |
| Aug 16, 2016 | Heavy Rain | 3.6 mi |
| Aug 16, 2016 | Flash Flood | 4.2 mi |
| Aug 16, 2016 | Heavy Rain | 0.6 mi |
| ZIP (ZCTA) | Share of Lakeville's land | Share of the ZIP inside the city |
|---|---|---|
| 55044 | 91% | 51% |
Common Lakeville water damage questions
Do I need flood insurance in Lakeville?
Homeowners policies exclude outside floodwater[9], and Lakeville-area ZIPs have 2 NFIP claims in just the last ten years[1].
Which Lakeville ZIP codes do these crews cover?
55044[7], in Dakota County. Nearby pages: Apple Valley (5.4 mi), Burnsville (6.2 mi), and Eagan (10.6 mi)[4].
When was the last flood report near Lakeville?
Jun 28, 2020: a heavy rain report 3.1 miles from the city center[5].
My Lakeville home is fairly new — could the plumbing fixtures and water heater still be under warranty?
Possibly: 25% of Lakeville's housing units were built in 2010 or later[2], the highest share of the 15 Twin Cities–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.