Water damage restoration · Galt, California
Water damage restoration in Galt, CA
Burst pipe, failed water heater, or storm water? Galt-area ZIPs: 35 flood claims since 1979[1]; 22% of homes built before 1980[2]. Request help from local restoration crews. Galt, in Sacramento County — ZIP 95632, counts 26,964 residents (2025 estimate)[3].
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The Galt water damage picture in brief
- Population (2025 est.)
- 26,964[3]+5.2% since 2020
- County
- Sacramento[3]
- Land area
- 7.8 sq mi[4]
- Flood-insurance (NFIP) claims, local ZIPs
- 35 since 1979[1]$324,759 paid across 20 claims · ZIP 95632
- Flood & flash-flood reports within 10 mi
- 19[5]2016–2025 · latest Dec 24, 2025
- Federal disaster declarations incl. flooding, Sacramento Co.
- 8[6]of 11 total declarations
- Homes built before 1980
- 22%[2]the 6th-lowest share of the 13 Sacramento-area suburbs we cover
- Households renting
- 23%[2]2020–2024
Reading the Galt data for water damage
Galt counts 26,964 residents (2025 estimate), growing at a middle-of-the-pack 5.2% since 2020[3]. It covers 7.8 square miles (3,445 residents per square mile, the 7th densest), sits entirely in Sacramento County, in ZIP code 95632[4].
Galt mixes 7% of homes built since 2010 and 22% 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 95632[7].
The tracked suburbs closest by are Elk Grove (11.1 mi NW), Rancho Cordova (21.6 mi N) and West Sacramento (23.9 mi NW)[4].
35 flood-insurance claims have come from Galt-area ZIP codes (95632) since 1979, and $324,759 has been paid on them (about $16,238 per paid claim)[1]. 2017 was the worst year, with 10 claims. That is the 7th-most of the 13 Sacramento-area suburbs we cover; for comparison, Elk Grove (98), Rancho Cordova (19), and West Sacramento (63). Of the 34 claims rated in a flood zone, 26 were in FEMA's high-risk areas (zones A or V) and 8 outside them (zones B, C or X)[1][8] — flooding here is not only a high-risk-zone problem.
By month of loss, Galt-area flood claims cluster in January (26), February (4), and March (2) — 32 of 35 dated claims[1].
Within 10 miles of central Galt, weather observers filed 19 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: Elk Grove (27), Rancho Cordova (70), and West Sacramento (65).
22% of Galt's 8,706 housing units predate 1980[2] — the 6th-lowest share of the 13 Sacramento-area suburbs we cover (Elk Grove (9%), Rancho Cordova (51%), and West Sacramento (44%)). Expect a mix of original and replaced plumbing.
77% of Galt households own their home[2], so most claims and rebuilds here are coordinated by the owner.
Among the 13 suburbs tracked here, Galt stands out for the 2nd-lowest renter share (23%)[2] and the 3rd-fewest flood reports nearby (19)[5].
How a leak spreads inside a wall
Leaked water spreads outward and wicks up drywall the longer it runs.
Galt storm calendar
Within 10 miles of Galt, 2016–2025: 3 flash-flood reports and 16 flood reports[5]. Peak: 95% in January, February, and December. Busiest year 2023 (11); 5 of 10 years had none. Busiest month January 2023 (9). Latest: flood report, Dec 24, 2025, 9.6 mi out.
| Month | Flash flood | Flood | Heavy rain | All |
|---|---|---|---|---|
| Jan | 2 | 8 | – | 10 |
| Feb | – | 5 | – | 5 |
| Mar | – | 1 | – | 1 |
| Dec | 1 | 2 | – | 3 |
Get water damage help in Galt
Water damage restoration contractors taking requests around Galt cover ZIP code 95632.
Before you pick up the phone: what a restoration crew does first
Shared walls and ceilings: Galt homes by building type
With 80%[2] of homes detached, most Galt water-damage jobs stay inside one house — the owner's policy and the owner's call.
After detached houses, the biggest group is mobile home: 439 of 8,706 housing units[2].
Galt also has 439 mobile homes (5.0%); for a leak under one, ask for a crew that works on manufactured homes.
| Building type | Units | Share | Margin of error |
|---|---|---|---|
| Detached house | 6,960 | 79.9% | ±383 |
| Attached house (townhouse, rowhouse) | 233 | 2.7% | ±97 |
| Duplex (2 units) | 306 | 3.5% | ±185 |
| 3–4 units | 237 | 2.7% | ±138 |
| 5–9 units | 188 | 2.2% | ±158 |
| 10–19 units | 55 | 0.6% | ±59 |
| 20–49 units | 65 | 0.7% | ±48 |
| 50 or more units | 191 | 2.2% | ±119 |
| Mobile home | 439 | 5.0% | ±116 |
| Boat, RV, van, etc. | 32 | 0.4% | ±48 |
Margins of error are the Census Bureau’s 90% intervals; small categories in small cities are rough.
The data underneath this Galt page
| Measure | Galt | Median of 13 | Difference |
|---|---|---|---|
| Built before 1980 | 22% | 44% | 22 pts lower |
| Renter-occupied | 23% | 38% | 15 pts lower |
| Flood reports (10 mi) | 19 | 27 | 8 fewer |
| Owner-occupied | 77% | 62% | 15 pts higher |
| Median home value | $487,500 | $630,100 | 23% lower |
| Median year built | 1994 | 1987 | 7 years newer |
| NFIP flood claims (area ZIPs) | 35 | 35 | same as median |
Sorted by largest difference. Each median is the middle value across the covered Sacramento-area suburbs, from the same sources.
| City | NFIP claims | Flood reports ≤10 mi | Built before 1980 | Renting |
|---|---|---|---|---|
| Galt | 35 | 19 | 22% | 23% |
| Elk Grove 11.1 mi | 98 | 27 | 9% | 26% |
| Rancho Cordova 21.6 mi | 19 | 70 | 51% | 42% |
| West Sacramento 23.9 mi | 63 | 65 | 44% | 40% |
| Folsom 28.8 mi | 29 | 45 | 13% | 30% |
| Citrus Heights 29.5 mi | 207 | 66 | 62% | 39% |
| ZIP | Claims | Paid | Busiest year | Outside high-risk zones |
|---|---|---|---|---|
| 95632 | 35 | $324,759 | 2017 (10) | 8 of 34 |
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 |
| 2023 | 8 |
| 2022 | 1 |
| 2021 | 2 |
| 2019 | 1 |
| 2017 | 10 |
| 2016 | 1 |
| 1998 | 2 |
| 1997 | 6 |
| 1986 | 1 |
| 1982 | 1 |
| 1979 | 1 |
| Month | Claims |
|---|---|
| January | 26 |
| February | 4 |
| March | 2 |
| October | 2 |
| December | 1 |
| Date | Type | Distance |
|---|---|---|
| Dec 24, 2025 | Flood | 9.6 mi |
| Feb 13, 2025 | Flood | 9.1 mi |
| Feb 13, 2025 | Flood | 0.6 mi |
| Feb 4, 2025 | Flood | 8.4 mi |
| Dec 18, 2023 | Flood | 3.4 mi |
| Mar 14, 2023 | Flood | 5.2 mi |
| Jan 15, 2023 | Flood | 6.3 mi |
| Jan 15, 2023 | Flood | 5.2 mi |
| ZIP (ZCTA) | Share of Galt's land | Share of the ZIP inside the city |
|---|---|---|
| 95632 | 100% | 6% |
Common Galt water damage questions
Do I need flood insurance in Galt?
Homeowners policies exclude outside floodwater[9], and Galt-area ZIPs have 24 NFIP claims in just the last ten years[1].
Which Galt ZIP codes do these crews cover?
95632[7], in Sacramento County. Nearby pages: Elk Grove (11.1 mi), Rancho Cordova (21.6 mi), and West Sacramento (23.9 mi)[4].
When was the last flood report near Galt?
Dec 24, 2025: a flood report 9.6 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.