Water damage restoration · Elk Grove, California
Water damage restoration in Elk Grove, CA
Burst pipe, failed water heater, or storm water? Elk Grove-area ZIPs: 98 flood claims since 1982[1]; 9% of homes built before 1980[2]. Request help from local restoration crews. Elk Grove, in Sacramento County — ZIPs 95624, 95757, 95758, counts 185,007 residents (2025 estimate)[3].
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Elk Grove at a glance for water damage
- Population (2025 est.)
- 185,007[3]+5.0% since 2020
- County
- Sacramento[3]
- Land area
- 42.6 sq mi[4]
- Flood-insurance (NFIP) claims, local ZIPs
- 98 since 1982[1]$2,918,434 paid across 76 claims · ZIP 95624, 95757, 95758
- Flood & flash-flood reports within 10 mi
- 27[5]2016–2025 · latest Dec 24, 2025
- Federal disaster declarations incl. flooding, Sacramento Co.
- 8[6]of 11 total declarations
- Homes built before 1980
- 9%[2]the 2nd-lowest share of the 13 Sacramento-area suburbs we cover
- Households renting
- 26%[2]2020–2024
What the local data means for water damage in Elk Grove
Elk Grove counts 185,007 residents (2025 estimate), growing at a middle-of-the-pack 5.0% since 2020[3]. On the map that's 42.6 square miles holding 4,343 residents per square mile, the 3rd densest of the suburbs here; it sits entirely in Sacramento County, with ZIP codes 95624, 95757, 95758[4].
Elk Grove mixes 13% of homes built since 2010 and 9% 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.
3 ZIP codes cover Elk Grove — 95624 (52% of the city's land), 95757 (25% of the city's land), 95758 (22% of the city's land)[7].
The closest tracked neighbours are Galt (11.1 mi SE), West Sacramento (13.1 mi NW) and Rancho Cordova (13.8 mi NE)[4].
98 flood-insurance claims have come from Elk Grove-area ZIP codes (95624, 95757, 95758) since 1982, and $2,918,434 has been paid on them (about $38,400 per paid claim)[1]. 2017 was the worst year, with 35 claims. That is the 3rd-most of the 13 Sacramento-area suburbs we cover; for comparison, Galt (35), West Sacramento (63), and Rancho Cordova (19). Outside water is a real part of the picture here. Of the 98 claims rated in a flood zone, 80 were in FEMA's high-risk areas (zones A or V) and 18 outside them (zones B, C or X)[1][8] — flooding here is not only a high-risk-zone problem.
By month of loss, Elk Grove-area flood claims cluster in January (57), February (32), and December (5) — 94 of 98 dated claims[1].
Within 10 miles of central Elk Grove, weather observers filed 27 flood, flash-flood or heavy-rain reports in 2016–2025 (3 flash floods)[5]. Countywide: 8 flood declarations since 2000, latest Severe Winter Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides (DR-4699, 2023)[6]. Nearby: Galt (19), West Sacramento (65), and Rancho Cordova (70).
9% of Elk Grove's 57,004 housing units predate 1980[2] — the 2nd-lowest share of the 13 Sacramento-area suburbs we cover (Galt (22%), West Sacramento (44%), and Rancho Cordova (51%)). In newer houses, check fittings, washer hoses and the water-heater pan first — and any builder warranty.
74% of Elk Grove households own their home[2], so most claims and rebuilds here are coordinated by the owner.
Among the 13 suburbs tracked here, Elk Grove stands out for the 2nd-lowest pre-1980 housing share (9%)[2], the 2nd-newest housing (by median year built) (2000)[2], the 3rd-most NFIP flood claims (98)[1], and the 3rd-lowest renter share (26%)[2].
How a leak spreads inside a wall
Leaked water spreads outward and wicks up drywall the longer it runs.
Elk Grove storm calendar
Within 10 miles of Elk Grove, 2016–2025: 3 flash-flood reports, 23 flood reports, and 1 heavy-rain report[5]. Peak: 78% in January, February, and December. Busiest year 2017 (8); 2 of 10 years had none. Busiest month January 2023 (7). Latest: flood report, Dec 24, 2025, 6.2 mi out.
| Month | Flash flood | Flood | Heavy rain | All |
|---|---|---|---|---|
| Jan | 2 | 8 | – | 10 |
| Feb | – | 6 | – | 6 |
| Mar | – | 3 | 1 | 4 |
| Apr | – | 2 | – | 2 |
| Dec | 1 | 4 | – | 5 |
Get water damage help in Elk Grove
Water damage restoration contractors taking requests around Elk Grove cover ZIP codes 95624, 95757, 95758.
Before you pick up the phone: what a restoration crew does first
Shared walls and ceilings: Elk Grove homes by building type
With 86%[2] of homes detached, most Elk Grove water-damage jobs stay inside one house — the owner's policy and the owner's call.
After detached houses, the biggest group is 50 or more units: 2,426 of 57,004 housing units[2].
| Building type | Units | Share | Margin of error |
|---|---|---|---|
| Detached house | 49,097 | 86.1% | ±1,111 |
| Attached house (townhouse, rowhouse) | 1,731 | 3.0% | ±357 |
| Duplex (2 units) | 255 | 0.4% | ±132 |
| 3–4 units | 567 | 1.0% | ±226 |
| 5–9 units | 1,070 | 1.9% | ±345 |
| 10–19 units | 1,044 | 1.8% | ±406 |
| 20–49 units | 431 | 0.8% | ±168 |
| 50 or more units | 2,426 | 4.3% | ±358 |
| Mobile home | 327 | 0.6% | ±93 |
| Boat, RV, van, etc. | 56 | 0.1% | ±56 |
Margins of error are the Census Bureau’s 90% intervals; small categories in small cities are rough.
Elk Grove by the numbers
| Measure | Elk Grove | Median of 13 | Difference |
|---|---|---|---|
| NFIP flood claims (area ZIPs) | 98 | 35 | 63 more |
| Built before 1980 | 9% | 44% | 35 pts lower |
| Renter-occupied | 26% | 38% | 11 pts lower |
| Owner-occupied | 74% | 62% | 11 pts higher |
| Median year built | 2000 | 1987 | 13 years newer |
| Flood reports (10 mi) | 27 | 27 | same as median |
| Median home value | $630,100 | $630,100 | same as median |
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 |
|---|---|---|---|---|
| Elk Grove | 98 | 27 | 9% | 26% |
| Galt 11.1 mi | 35 | 19 | 22% | 23% |
| West Sacramento 13.1 mi | 63 | 65 | 44% | 40% |
| Rancho Cordova 13.8 mi | 19 | 70 | 51% | 42% |
| Citrus Heights 20.1 mi | 207 | 66 | 62% | 39% |
| Davis 21.4 mi | 68 | 13 | 45% | 56% |
| ZIP | Claims | Paid | Busiest year | Outside high-risk zones |
|---|---|---|---|---|
| 95624 | 25 | $552,610 | 1997 (7) | 6 of 25 |
| 95757 | 63 | $2,310,681 | 2017 (33) | 6 of 63 |
| 95758 | 10 | $55,143 | 1998 (4) | 6 of 10 |
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 |
|---|---|
| 2026 | 1 |
| 2023 | 12 |
| 2022 | 4 |
| 2021 | 1 |
| 2017 | 35 |
| 2008 | 1 |
| 2005 | 1 |
| 1998 | 5 |
| 1997 | 25 |
| 1995 | 2 |
| 1986 | 9 |
| 1982 | 2 |
| Month | Claims |
|---|---|
| January | 57 |
| February | 32 |
| March | 2 |
| May | 1 |
| October | 1 |
| December | 5 |
| Date | Type | Distance |
|---|---|---|
| Dec 24, 2025 | Flood | 6.2 mi |
| Feb 5, 2024 | Flood | 0.4 mi |
| Mar 14, 2023 | Flood | 8.3 mi |
| Jan 15, 2023 | Flood | 6.0 mi |
| Jan 14, 2023 | Flood | 2.8 mi |
| Jan 9, 2023 | Flood | 7.4 mi |
| Jan 5, 2023 | Flood | 9.4 mi |
| Jan 5, 2023 | Flood | 0.4 mi |
| ZIP (ZCTA) | Share of Elk Grove's land | Share of the ZIP inside the city |
|---|---|---|
| 95624 | 52% | 48% |
| 95757 | 25% | 16% |
| 95758 | 22% | 67% |
water damage questions from Elk Grove homeowners
Do I need flood insurance in Elk Grove?
Homeowners policies exclude outside floodwater[9], and Elk Grove-area ZIPs have 53 NFIP claims in just the last ten years[1].
Which Elk Grove ZIP codes do these crews cover?
95624, 95757, and 95758[7], in Sacramento County. Nearby pages: Galt (11.1 mi), West Sacramento (13.1 mi), and Rancho Cordova (13.8 mi)[4].
Which Elk Grove ZIP code has the most flood claims?
95757, with 63 NFIP claims and $2,310,681 paid[1].
When was the last flood report near Elk Grove?
Dec 24, 2025: a flood report 6.2 miles from the city center[5].
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.