Water damage restoration · Citrus Heights, California
Water damage restoration in Citrus Heights, CA
Burst pipe, failed water heater, or storm water? Citrus Heights-area ZIPs: 207 flood claims since 1978[1]; 62% of homes built before 1980[2]. Request help from local restoration crews. Citrus Heights, in Sacramento County — ZIPs 95610, 95621, counts 86,348 residents (2025 estimate)[3].
Request helpIs this a water-damage emergency?
Answer a few questions for a plan for the next hour.
Citrus Heights at a glance for water damage
- Population (2025 est.)
- 86,348[3]-1.4% since 2020
- County
- Sacramento[3]
- Land area
- 14.2 sq mi[4]
- Flood-insurance (NFIP) claims, local ZIPs
- 207 since 1978[1]$2,203,060 paid across 157 claims · ZIP 95610, 95621
- Flood & flash-flood reports within 10 mi
- 66[5]2016–2025 · latest Dec 25, 2025
- Federal disaster declarations incl. flooding, Sacramento Co.
- 8[6]of 11 total declarations
- Homes built before 1980
- 62%[2]the highest share of the 13 Sacramento-area suburbs we cover
- Households renting
- 39%[2]2020–2024
What Citrus Heights's numbers say about water damage
Citrus Heights is one of the most established suburbs tracked here — 86,348 people (2025 estimate), down just 1.4% since 2020[3]. It covers 14.2 square miles (6,074 residents per square mile, the 2nd densest), sits entirely in Sacramento County, in ZIP codes 95610, 95621[4].
Citrus Heights mixes 2% of homes built since 2010 and 62% 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.
Mail to Citrus Heights goes through 2 ZIP codes — 95610 (56% of the city's land), 95621 (44% of the city's land)[7].
The tracked suburbs closest by are Roseville (5.5 mi N), Rocklin (8.0 mi N) and Folsom (8.1 mi E)[4].
207 flood-insurance claims have come from Citrus Heights-area ZIP codes (95610, 95621) since 1978, and $2,203,060 has been paid on them (about $14,032 per paid claim)[1]. 1995 was the worst year, with 81 claims. That is the 2nd-most of the 13 Sacramento-area suburbs we cover; for comparison, Roseville (303), Rocklin (25), and Folsom (29). Outside water is a real part of the picture here. Of the 204 claims rated in a flood zone, 118 were in FEMA's high-risk areas (zones A or V) and 86 outside them (zones B, C or X)[1][8] — flooding here is not only a high-risk-zone problem.
By month of loss, Citrus Heights-area flood claims cluster in January (105), February (48), and December (19) — 172 of 207 dated claims[1].
Within 10 miles of central Citrus Heights, weather observers filed 66 flood, flash-flood or heavy-rain reports in 2016–2025[5]. Countywide: 8 flood declarations since 2000, latest Severe Winter Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides (DR-4699, 2023)[6]. Nearby: Roseville (48), Rocklin (37), and Folsom (45).
62% of Citrus Heights's 34,946 housing units predate 1980[2] — the highest share of the 13 Sacramento-area suburbs we cover (Roseville (17%), Rocklin (15%), and Folsom (13%)). Aging supply lines and valves are the usual hidden-leak suspects in houses that old.
61% of Citrus Heights households own their home[2], so most claims and rebuilds here are coordinated by the owner.
Out of the 13 suburbs on this site, Citrus Heights has the highest pre-1980 housing share (62%)[2], the lowest median home value ($454,600)[2], the 2nd-most NFIP flood claims (207)[1], and the 2nd-most flood reports nearby (66)[5].
How a leak spreads inside a wall
Give a leak time and it travels — outward across the floor, upward into drywall by capillary action.
Citrus Heights storm calendar
Within 10 miles of Citrus Heights, 2016–2025: 54 flood reports and 12 heavy-rain reports[5]. Peak: spread out; January, February, and December held 59%. Busiest year 2023 (14). Busiest month January 2023 (11). Latest: flood report, Dec 25, 2025, 2.6 mi out.
| Month | Flash flood | Flood | Heavy rain | All |
|---|---|---|---|---|
| Jan | – | 11 | 3 | 14 |
| Feb | – | 12 | 2 | 14 |
| Mar | – | 6 | – | 6 |
| Apr | – | 8 | – | 8 |
| Oct | – | 3 | 4 | 7 |
| Nov | – | 4 | 2 | 6 |
| Dec | – | 10 | 1 | 11 |
Finding water damage help around Citrus Heights
Requests go to Water damage restoration contractors serving the Citrus Heights area — ZIP codes 95610, 95621.
Before you pick up the phone: what a restoration crew does first
Shared walls and ceilings: Citrus Heights homes by building type
36%[2] of Citrus Heights's homes share walls, floors or ceilings with a neighbour (multi-unit buildings alone: 27%, the 3rd-highest multi-unit share of the 13 Sacramento-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 attached house (townhouse, rowhouse): 3,291 of 34,946 housing units[2].
Citrus Heights also has 1,770 mobile homes (5.1%); for a leak under one, ask for a crew that works on manufactured homes.
| Building type | Units | Share | Margin of error |
|---|---|---|---|
| Detached house | 20,443 | 58.5% | ±779 |
| Attached house (townhouse, rowhouse) | 3,291 | 9.4% | ±426 |
| Duplex (2 units) | 577 | 1.7% | ±239 |
| 3–4 units | 2,289 | 6.6% | ±373 |
| 5–9 units | 2,268 | 6.5% | ±423 |
| 10–19 units | 1,609 | 4.6% | ±365 |
| 20–49 units | 529 | 1.5% | ±179 |
| 50 or more units | 2,111 | 6.0% | ±320 |
| Mobile home | 1,770 | 5.1% | ±292 |
| Boat, RV, van, etc. | 59 | 0.2% | ±55 |
Margins of error are the Census Bureau’s 90% intervals; small categories in small cities are rough.
The data underneath this Citrus Heights page
| Measure | Citrus Heights | Median of 13 | Difference |
|---|---|---|---|
| NFIP flood claims (area ZIPs) | 207 | 35 | 172 more |
| Flood reports (10 mi) | 66 | 27 | 39 more |
| Built before 1980 | 62% | 44% | 18 pts higher |
| Median home value | $454,600 | $630,100 | 28% lower |
| Renter-occupied | 39% | 38% | 2 pts higher |
| Owner-occupied | 61% | 62% | 2 pts lower |
| Median year built | 1977 | 1987 | 10 years older |
Biggest gaps first. Medians are middle values across the Sacramento-area suburbs we cover, drawn from the same sources.
| City | NFIP claims | Flood reports ≤10 mi | Built before 1980 | Renting |
|---|---|---|---|---|
| Citrus Heights | 207 | 66 | 62% | 39% |
| Roseville 5.5 mi | 303 | 48 | 17% | 31% |
| Rocklin 8.0 mi | 25 | 37 | 15% | 32% |
| Folsom 8.1 mi | 29 | 45 | 13% | 30% |
| Rancho Cordova 8.6 mi | 19 | 70 | 51% | 42% |
| Lincoln 12.4 mi | 14 | 27 | 8% | 16% |
| ZIP | Claims | Paid | Busiest year | Outside high-risk zones |
|---|---|---|---|---|
| 95610 | 126 | $1,275,355 | 1995 (51) | 48 of 123 |
| 95621 | 81 | $927,705 | 1995 (30) | 38 of 81 |
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 |
| 2024 | 1 |
| 2022 | 2 |
| 2021 | 4 |
| 2019 | 1 |
| 2012 | 4 |
| 2009 | 2 |
| 2006 | 2 |
| 2005 | 4 |
| 2000 | 1 |
| 1998 | 10 |
| 1997 | 23 |
| Month | Claims |
|---|---|
| January | 105 |
| February | 48 |
| March | 16 |
| April | 10 |
| June | 1 |
| September | 1 |
| October | 4 |
| November | 3 |
| December | 19 |
| Date | Type | Distance |
|---|---|---|
| Dec 25, 2025 | Flood | 4.5 mi |
| Dec 25, 2025 | Flood | 2.6 mi |
| Dec 24, 2025 | Flood | 5.8 mi |
| Dec 24, 2025 | Flood | 5.9 mi |
| Nov 17, 2025 | Flood | 3.9 mi |
| Nov 13, 2025 | Flood | 2.5 mi |
| Nov 13, 2025 | Flood | 2.5 mi |
| Nov 13, 2025 | Flood | 5.9 mi |
| ZIP (ZCTA) | Share of Citrus Heights's land | Share of the ZIP inside the city |
|---|---|---|
| 95610 | 56% | 100% |
| 95621 | 44% | 94% |
Citrus Heights water damage questions
Do I need flood insurance in Citrus Heights?
Homeowners policies exclude outside floodwater[9], and Citrus Heights-area ZIPs have 9 NFIP claims in just the last ten years[1].
Which Citrus Heights ZIP codes do these crews cover?
95610 and 95621[7], in Sacramento County. Nearby pages: Roseville (5.5 mi), Rocklin (8.0 mi), and Folsom (8.1 mi)[4].
Which Citrus Heights ZIP code has the most flood claims?
95610, with 126 NFIP claims and $1,275,355 paid[1].
When was the last flood report near Citrus Heights?
Dec 25, 2025: a flood report 4.5 miles from the city center[5].
A lot of Citrus Heights homes predate 1980 — what does that mean for plumbing fixtures and water heater work?
62% of Citrus Heights's housing units were built before 1980, 11.1% before 1960[2] — the highest share of the 13 Sacramento-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.