Water damage restoration · Minnetonka, Minnesota
Water damage restoration in Minnetonka, MN
Burst pipe, failed water heater, or storm water? Minnetonka-area ZIPs: 59 flood claims since 1978[1]; 48% of homes built before 1980[2]. Request help from local restoration crews. Minnetonka, in Hennepin County — ZIPs 55345, 55305, 55343, 55391, counts 53,969 residents (2025 estimate)[3].
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Minnetonka water damage snapshot: the key figures
- Population (2025 est.)
- 53,969[3]+0.3% since 2020
- County
- Hennepin[3]
- Land area
- 26.9 sq mi[4]
- Flood-insurance (NFIP) claims, local ZIPs
- 59 since 1978[1]$625,922 paid across 44 claims · ZIP 55345, 55305, 55343, 55391
- Flood & flash-flood reports within 10 mi
- 30[5]2016–2025 · latest Jun 25, 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
- 48%[2]the 4th-highest share of the 15 Twin Cities–area suburbs we cover
- Households renting
- 28%[2]2020–2024
What the local data means for water damage in Minnetonka
Minnetonka counts 53,969 residents (2025 estimate), growing at a middle-of-the-pack 0.3% since 2020[3]. On the map that's 26.9 square miles holding 2,004 residents per square mile, the 13th densest of the suburbs here; it sits entirely in Hennepin County, with ZIP codes 55345, 55305, 55343, 55391[4].
Minnetonka mixes 10% of homes built since 2010 and 48% 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.
Minnetonka is split across 4 ZIP codes: 55345 (42% of the city's land), 55305 (32% of the city's land), 55343 (14% of the city's land), 55391 (12% of the city's land)[7].
Nearest of the other suburbs we track: Edina (5.5 mi SE), Eden Prairie (5.7 mi S) and Plymouth (6.2 mi N)[4].
59 flood-insurance claims have come from Minnetonka-area ZIP codes (55345, 55305, 55343, 55391) since 1978, and $625,922 has been paid on them (about $14,226 per paid claim)[1]. 2014 was the worst year, with 14 claims. That is the 2nd-most of the 15 Twin Cities–area suburbs we cover; for comparison, Edina (92), Eden Prairie (18), and Plymouth (30). Outside water is a real part of the picture here. Of the 50 claims rated in a flood zone, 20 were in FEMA's high-risk areas (zones A or V) and 30 outside them (zones B, C or X)[1][8] — flooding here is not only a high-risk-zone problem.
By month of loss, Minnetonka-area flood claims cluster in March (10), June (22), and July (10) — 42 of 59 dated claims[1].
Within 10 miles of central Minnetonka, weather observers filed 30 flood, flash-flood or heavy-rain reports in 2016–2025 (13 flash floods)[5]. Countywide: 5 flood declarations since 2000, latest Severe Storms and Flooding (DR-4290, 2016)[6]. Nearby: Edina (25), Eden Prairie (24), and Plymouth (31).
48% of Minnetonka's 24,760 housing units predate 1980[2] — the 4th-highest share of the 15 Twin Cities–area suburbs we cover (Edina (68%), Eden Prairie (24%), and Plymouth (33%)). Aging supply lines and valves are the usual hidden-leak suspects in houses that old.
72% of Minnetonka households own their home[2], so most claims and rebuilds here are coordinated by the owner.
Among the 15 suburbs tracked here, Minnetonka stands out for the 2nd-most NFIP flood claims (59)[1], the 3rd-most flood reports nearby (30)[5], and the 3rd-highest median home value ($475,800)[2].
How a leak spreads inside a wall
Give a leak time and it travels — outward across the floor, upward into drywall by capillary action.
Minnetonka storm calendar
Within 10 miles of Minnetonka, 2016–2025: 13 flash-flood reports, 1 flood report, and 16 heavy-rain reports[5]. Peak: 93% in June, July, and August. Busiest year 2019 (13); 3 of 10 years had none. Busiest month July 2019 (13). Latest: flash-flood report, Jun 25, 2025, 6.7 mi out.
| Month | Flash flood | Flood | Heavy rain | All |
|---|---|---|---|---|
| Jun | 1 | 1 | 2 | 4 |
| Jul | 8 | – | 5 | 13 |
| Aug | 4 | – | 7 | 11 |
| Sep | – | – | 2 | 2 |
Finding water damage help around Minnetonka
Requests go to Water damage restoration contractors serving the Minnetonka area — ZIP codes 55345, 55305, 55343, 55391.
Before you pick up the phone: what a restoration crew does first
Shared walls and ceilings: Minnetonka homes by building type
46%[2] of Minnetonka's homes share walls, floors or ceilings with a neighbour (multi-unit buildings alone: 36%, the 3rd-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: 5,864 of 24,760 housing units[2].
| Building type | Units | Share | Margin of error |
|---|---|---|---|
| Detached house | 13,324 | 53.8% | ±387 |
| Attached house (townhouse, rowhouse) | 2,591 | 10.5% | ±306 |
| Duplex (2 units) | 141 | 0.6% | ±67 |
| 3–4 units | 328 | 1.3% | ±145 |
| 5–9 units | 229 | 0.9% | ±116 |
| 10–19 units | 356 | 1.4% | ±171 |
| 20–49 units | 1,913 | 7.7% | ±291 |
| 50 or more units | 5,864 | 23.7% | ±480 |
| Mobile home | 14 | 0.1% | ±19 |
Margins of error are the Census Bureau’s 90% intervals; small categories in small cities are rough.
Minnetonka by the numbers
| Measure | Minnetonka | Median of 15 | Difference |
|---|---|---|---|
| NFIP flood claims (area ZIPs) | 59 | 18 | 41 more |
| Built before 1980 | 48% | 30% | 18 pts higher |
| Flood reports (10 mi) | 30 | 24 | 6 more |
| Median home value | $475,800 | $397,100 | 20% higher |
| Renter-occupied | 28% | 25% | 3 pts higher |
| Owner-occupied | 72% | 75% | 3 pts lower |
| Median year built | 1981 | 1988 | 7 years older |
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 | Freeze days | Built before 1980 | Renting |
|---|---|---|---|---|---|
| Minnetonka | 59 | 30 | 55 | 48% | 28% |
| Edina 5.5 mi | 92 | 25 | 55 | 68% | 28% |
| Eden Prairie 5.7 mi | 18 | 24 | 55 | 24% | 24% |
| Plymouth 6.2 mi | 30 | 31 | 55 | 33% | 25% |
| Bloomington 9.9 mi | 41 | 24 | 55 | 67% | 34% |
| Shakopee 11.1 mi | 18 | 24 | 51 | 22% | 25% |
| ZIP | Claims | Paid | Busiest year | Outside high-risk zones |
|---|---|---|---|---|
| 55345 | 6 | $67,288 | 2014 (2) | 5 of 5 |
| 55305 | 14 | $76,737 | 2014 (3) | 9 of 13 |
| 55343 | 15 | $267,952 | 1985 (2) | 7 of 10 |
| 55391 | 24 | $213,945 | 2014 (8) | 9 of 22 |
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 |
| 2019 | 7 |
| 2014 | 14 |
| 2013 | 5 |
| 2011 | 1 |
| 2005 | 2 |
| 2004 | 2 |
| 2003 | 3 |
| 2002 | 1 |
| 2001 | 2 |
| 1999 | 1 |
| 1998 | 1 |
| Month | Claims |
|---|---|
| January | 1 |
| March | 10 |
| April | 6 |
| May | 6 |
| June | 22 |
| July | 10 |
| September | 3 |
| October | 1 |
| Date | Type | Distance |
|---|---|---|
| Jun 25, 2025 | Flash Flood | 6.7 mi |
| Jun 16, 2025 | Flood | 7.7 mi |
| Jun 15, 2024 | Heavy Rain | 4.9 mi |
| Aug 24, 2021 | Heavy Rain | 9.8 mi |
| Aug 9, 2020 | Heavy Rain | 7.1 mi |
| Aug 9, 2020 | Heavy Rain | 7.4 mi |
| Aug 9, 2020 | Heavy Rain | 6.3 mi |
| Aug 9, 2020 | Heavy Rain | 7.6 mi |
| ZIP (ZCTA) | Share of Minnetonka's land | Share of the ZIP inside the city |
|---|---|---|
| 55345 | 42% | 100% |
| 55305 | 32% | 92% |
| 55343 | 14% | 49% |
| 55391 | 12% | 19% |
Common Minnetonka water damage questions
Do I need flood insurance in Minnetonka?
Homeowners policies exclude outside floodwater[9], and Minnetonka-area ZIPs have 8 NFIP claims in just the last ten years[1].
Which Minnetonka ZIP codes do these crews cover?
55345, 55305, 55343, and 55391[7], in Hennepin County. Nearby pages: Edina (5.5 mi), Eden Prairie (5.7 mi), and Plymouth (6.2 mi)[4].
Which Minnetonka ZIP code has the most flood claims?
55391, with 24 NFIP claims and $213,945 paid[1].
When was the last flood report near Minnetonka?
Jun 25, 2025: a flash flood report 6.7 miles from the city center[5].
A lot of Minnetonka homes predate 1980 — what does that mean for plumbing fixtures and water heater work?
48% of Minnetonka's housing units were built before 1980, 21.6% before 1960[2] — the 4th-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 Minnetonka. Who arranges the repair?
28% of occupied Minnetonka homes are rented[2], the 5th-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.