Water damage restoration · Folsom, California
Water damage restoration in Folsom, CA
Burst pipe, failed water heater, or storm water? Folsom-area ZIPs: 29 flood claims since 1983[1]; 13% of homes built before 1980[2]. Request help from local restoration crews. Folsom, in Sacramento County — ZIPs 95630, 95671, counts 91,983 residents (2025 estimate)[3].
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The Folsom water damage picture in brief
- Population (2025 est.)
- 91,983[3]+14.3% since 2020
- County
- Sacramento[3]
- Land area
- 27.9 sq mi[4]
- Flood-insurance (NFIP) claims, local ZIPs
- 29 since 1983[1]$519,191 paid across 18 claims · ZIP 95630, 95671
- Flood & flash-flood reports within 10 mi
- 45[5]2016–2025 · latest Dec 25, 2025
- Federal disaster declarations incl. flooding, Sacramento Co.
- 8[6]of 11 total declarations
- Homes built before 1980
- 13%[2]the 3rd-lowest share of the 13 Sacramento-area suburbs we cover
- Households renting
- 30%[2]2020–2024
What Folsom's numbers say about water damage
Folsom is one of the fastest-growing Sacramento-metro suburbs tracked here: 91,983 people (2025 estimate), up 14.3% since 2020[3]. On the map that's 27.9 square miles holding 3,299 residents per square mile, the 8th densest of the suburbs here; it sits entirely in Sacramento County, with ZIP codes 95630, 95671[4].
Folsom mixes 15% of homes built since 2010 and 13% 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 Folsom goes through 2 ZIP codes — 95630 (94% of the city's land), 95671 (5% of the city's land)[7].
The tracked suburbs closest by are Rancho Cordova (8.0 mi SW), Citrus Heights (8.1 mi W) and Rocklin (11.3 mi NW)[4].
29 flood-insurance claims have come from Folsom-area ZIP codes (95630, 95671) since 1983, and $519,191 has been paid on them (about $28,844 per paid claim)[1]. 1997 was the worst year, with 8 claims. That is the 5th-fewest of the 13 Sacramento-area suburbs we cover; for comparison, Rancho Cordova (19), Citrus Heights (207), and Rocklin (25). Most jobs here start inside the house. Of the 29 claims rated in a flood zone, 6 were in FEMA's high-risk areas (zones A or V) and 23 outside them (zones B, C or X)[1][8] — flooding here is not only a high-risk-zone problem.
By month of loss, Folsom-area flood claims cluster in January (15), February (7), and December (3) — 25 of 29 dated claims[1].
Within 10 miles of central Folsom, weather observers filed 45 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: Rancho Cordova (70), Citrus Heights (66), and Rocklin (37).
13% of Folsom's 30,868 housing units predate 1980[2] — the 3rd-lowest share of the 13 Sacramento-area suburbs we cover (Rancho Cordova (51%), Citrus Heights (62%), and Rocklin (15%)). In newer houses, check fittings, washer hoses and the water-heater pan first — and any builder warranty.
70% of Folsom households own their home[2], so most claims and rebuilds here are coordinated by the owner.
Among the 13 suburbs tracked here, Folsom stands out for the 2nd-highest median home value ($755,200)[2] and the 3rd-lowest pre-1980 housing share (13%)[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.
Folsom storm calendar
Within 10 miles of Folsom, 2016–2025: 38 flood reports and 7 heavy-rain reports[5]. Peak: 76% in January, February, and December. Busiest year 2023 (11). Busiest month January 2023 (9). Latest: flood report, Dec 25, 2025, 5.5 mi out.
| Month | Flash flood | Flood | Heavy rain | All |
|---|---|---|---|---|
| Jan | – | 10 | 1 | 11 |
| Feb | – | 7 | 2 | 9 |
| Mar | – | 3 | – | 3 |
| Apr | – | 1 | – | 1 |
| Oct | – | 2 | 1 | 3 |
| Nov | – | 2 | 2 | 4 |
| Dec | – | 13 | 1 | 14 |
Finding water damage help around Folsom
Your request reaches Water damage restoration contractors who serve Folsom (ZIP codes 95630, 95671).
Before you pick up the phone: what a restoration crew does first
Shared walls and ceilings: Folsom homes by building type
With 73%[2] of homes detached, most Folsom water-damage jobs stay inside one house — the owner's policy and the owner's call.
After detached houses, the biggest group is 5–9 units: 1,624 of 30,868 housing units[2].
Folsom also has 720 mobile homes (2.3%); for a leak under one, ask for a crew that works on manufactured homes.
| Building type | Units | Share | Margin of error |
|---|---|---|---|
| Detached house | 22,431 | 72.7% | ±581 |
| Attached house (townhouse, rowhouse) | 1,265 | 4.1% | ±241 |
| Duplex (2 units) | 162 | 0.5% | ±84 |
| 3–4 units | 825 | 2.7% | ±202 |
| 5–9 units | 1,624 | 5.3% | ±336 |
| 10–19 units | 1,572 | 5.1% | ±388 |
| 20–49 units | 657 | 2.1% | ±209 |
| 50 or more units | 1,612 | 5.2% | ±244 |
| Mobile home | 720 | 2.3% | ±323 |
Margins of error are the Census Bureau’s 90% intervals; small categories in small cities are rough.
Folsom by the numbers
| Measure | Folsom | Median of 13 | Difference |
|---|---|---|---|
| Built before 1980 | 13% | 44% | 31 pts lower |
| Flood reports (10 mi) | 45 | 27 | 18 more |
| Median home value | $755,200 | $630,100 | 20% higher |
| Renter-occupied | 30% | 38% | 7 pts lower |
| NFIP flood claims (area ZIPs) | 29 | 35 | 6 fewer |
| Owner-occupied | 70% | 62% | 7 pts higher |
| Median year built | 1997 | 1987 | 10 years newer |
Largest differences first. Medians are the middle value across the covered Sacramento-area suburbs, from the same sources.
| City | NFIP claims | Flood reports ≤10 mi | Built before 1980 | Renting |
|---|---|---|---|---|
| Folsom | 29 | 45 | 13% | 30% |
| Rancho Cordova 8.0 mi | 19 | 70 | 51% | 42% |
| Citrus Heights 8.1 mi | 207 | 66 | 62% | 39% |
| Rocklin 11.3 mi | 25 | 37 | 15% | 32% |
| Roseville 12.0 mi | 303 | 48 | 17% | 31% |
| Auburn 16.2 mi | 47 | 22 | 52% | 38% |
| ZIP | Claims | Paid | Busiest year | Outside high-risk zones |
|---|---|---|---|---|
| 95630 | 29 | $519,191 | 1997 (8) | 23 of 29 |
| 95671 | 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 |
|---|---|
| 2024 | 1 |
| 2018 | 1 |
| 2016 | 1 |
| 2014 | 1 |
| 2012 | 1 |
| 1998 | 2 |
| 1997 | 8 |
| 1996 | 1 |
| 1995 | 6 |
| 1986 | 5 |
| 1983 | 2 |
| Month | Claims |
|---|---|
| January | 15 |
| February | 7 |
| March | 1 |
| April | 2 |
| June | 1 |
| December | 3 |
| Date | Type | Distance |
|---|---|---|
| Dec 25, 2025 | Flood | 5.2 mi |
| Dec 25, 2025 | Flood | 5.5 mi |
| Dec 24, 2025 | Flood | 9.3 mi |
| Dec 24, 2025 | Flood | 8.0 mi |
| Dec 22, 2025 | Flood | 4.1 mi |
| Nov 17, 2025 | Flood | 7.2 mi |
| Nov 13, 2025 | Flood | 8.0 mi |
| Feb 13, 2025 | Flood | 3.6 mi |
| ZIP (ZCTA) | Share of Folsom's land | Share of the ZIP inside the city |
|---|---|---|
| 95630 | 94% | 100% |
| 95671 | 5% | 100% |
Common Folsom water damage questions
Do I need flood insurance in Folsom?
Homeowners policies exclude outside floodwater[9], and Folsom-area ZIPs have 3 NFIP claims in just the last ten years[1].
Which Folsom ZIP codes do these crews cover?
95630 and 95671[7], in Sacramento County. Nearby pages: Rancho Cordova (8.0 mi), Citrus Heights (8.1 mi), and Rocklin (11.3 mi)[4].
Which Folsom ZIP code has the most flood claims?
95630, with 29 NFIP claims and $519,191 paid[1].
When was the last flood report near Folsom?
Dec 25, 2025: a flood report 5.2 miles from the city center[5].
My Folsom home is fairly new — could the plumbing fixtures and water heater still be under warranty?
Possibly: 15% of Folsom's housing units were built in 2010 or later[2], the 4th-highest share of the 13 Sacramento-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.