Water damage restoration · Lincoln, California
Water damage restoration in Lincoln, CA
Burst pipe, failed water heater, or storm water? Lincoln-area ZIPs: 14 flood claims since 1986[1]; 8% of homes built before 1980[2]. Request help from local restoration crews. Lincoln, in Placer County — ZIP 95648, counts 57,367 residents (2025 estimate)[3].
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Lincoln water damage snapshot: the key figures
- Population (2025 est.)
- 57,367[3]+15.3% since 2020
- County
- Placer[3]
- Land area
- 24.5 sq mi[4]
- Flood-insurance (NFIP) claims, local ZIPs
- 14 since 1986[1]$170,338 paid across 11 claims · ZIP 95648
- Flood & flash-flood reports within 10 mi
- 27[5]2016–2025 · latest Dec 25, 2025
- Federal disaster declarations incl. flooding, Placer Co.
- 6[6]of 18 total declarations
- Homes built before 1980
- 8%[2]the lowest share of the 13 Sacramento-area suburbs we cover
- Households renting
- 16%[2]2020–2024
What the local data means for water damage in Lincoln
Lincoln is one of the fastest-growing Sacramento-metro suburbs tracked here: 57,367 people (2025 estimate), up 15.3% since 2020[3]. It covers 24.5 square miles (2,338 residents per square mile, the 11th densest), sits entirely in Placer County, in ZIP code 95648[4].
Lincoln mixes 17% of homes built since 2010 and 8% 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.
One ZIP code covers the whole city: 95648[7].
The tracked suburbs closest by are Rocklin (5.2 mi SE), Roseville (7.3 mi S) and Auburn (11.7 mi E)[4].
14 flood-insurance claims have come from Lincoln-area ZIP codes (95648) since 1986, and $170,338 has been paid on them (about $15,485 per paid claim)[1]. 1995 was the worst year, with 6 claims. That is the fewest of the 13 Sacramento-area suburbs we cover; for comparison, Rocklin (25), Roseville (303), and Auburn (47). Most jobs here start inside the house. Of the 14 claims rated in a flood zone, 5 were in FEMA's high-risk areas (zones A or V) and 9 outside them (zones B, C or X)[1][8] — flooding here is not only a high-risk-zone problem.
By month of loss, Lincoln-area flood claims cluster in January (7), February (4), and April (1) — 12 of 14 dated claims[1].
Within 10 miles of central Lincoln, weather observers filed 27 flood, flash-flood or heavy-rain reports in 2016–2025[5]. Countywide: 6 flood declarations since 2000, latest Severe Winter Storms, Flooding, Landslides, and Mudslides (EM-3592, 2023)[6]. Nearby: Rocklin (37), Roseville (48), and Auburn (22).
8% of Lincoln's 20,779 housing units predate 1980[2] — the lowest share of the 13 Sacramento-area suburbs we cover (Rocklin (15%), Roseville (17%), and Auburn (52%)). In newer houses, check fittings, washer hoses and the water-heater pan first — and any builder warranty.
84% of Lincoln households own their home[2], so most claims and rebuilds here are coordinated by the owner.
Among the 13 suburbs tracked here, Lincoln stands out for the fewest NFIP flood claims (14)[1], the lowest pre-1980 housing share (8%)[2], the newest housing (by median year built) (2005)[2], and the lowest renter share (16%)[2].
How a leak spreads inside a wall
Water on the move: it spreads across floors and wicks upward into drywall until it is stopped.
Lincoln storm calendar
Within 10 miles of Lincoln, 2016–2025: 21 flood reports and 6 heavy-rain reports[5]. Peak: 85% in January, February, and December. Busiest year 2025 (12); 2 of 10 years had none. Busiest month February 2025 (8). Latest: flood report, Dec 25, 2025, 9.3 mi out.
| Month | Flash flood | Flood | Heavy rain | All |
|---|---|---|---|---|
| Jan | – | 4 | 3 | 7 |
| Feb | – | 11 | – | 11 |
| Apr | – | 1 | – | 1 |
| Oct | – | – | 2 | 2 |
| Nov | – | – | 1 | 1 |
| Dec | – | 5 | – | 5 |
Finding water damage help around Lincoln
Your request reaches Water damage restoration contractors who serve Lincoln (ZIP code 95648).
Before reaching out: what a restoration crew does first
Shared walls and ceilings: Lincoln homes by building type
With 92%[2] of homes detached, most Lincoln water-damage jobs stay inside one house — the owner's policy and the owner's call.
After detached houses, the biggest group is attached house (townhouse, rowhouse): 568 of 20,779 housing units[2].
| Building type | Units | Share | Margin of error |
|---|---|---|---|
| Detached house | 19,021 | 91.5% | ±589 |
| Attached house (townhouse, rowhouse) | 568 | 2.7% | ±246 |
| 3–4 units | 281 | 1.4% | ±143 |
| 5–9 units | 305 | 1.5% | ±183 |
| 10–19 units | 60 | 0.3% | ±37 |
| 20–49 units | 190 | 0.9% | ±145 |
| 50 or more units | 282 | 1.4% | ±143 |
| Mobile home | 28 | 0.1% | ±27 |
| Boat, RV, van, etc. | 44 | 0.2% | ±63 |
Margins of error are the Census Bureau’s 90% intervals; small categories in small cities are rough.
The Lincoln numbers behind this page
| Measure | Lincoln | Median of 13 | Difference |
|---|---|---|---|
| Built before 1980 | 8% | 44% | 36 pts lower |
| NFIP flood claims (area ZIPs) | 14 | 35 | 21 fewer |
| Renter-occupied | 16% | 38% | 22 pts lower |
| Owner-occupied | 84% | 62% | 22 pts higher |
| Median home value | $651,000 | $630,100 | 3% higher |
| Median year built | 2005 | 1987 | 18 years newer |
| Flood reports (10 mi) | 27 | 27 | 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 |
|---|---|---|---|---|
| Lincoln | 14 | 27 | 8% | 16% |
| Rocklin 5.2 mi | 25 | 37 | 15% | 32% |
| Roseville 7.3 mi | 303 | 48 | 17% | 31% |
| Auburn 11.7 mi | 47 | 22 | 52% | 38% |
| Citrus Heights 12.4 mi | 207 | 66 | 62% | 39% |
| Folsom 16.5 mi | 29 | 45 | 13% | 30% |
| ZIP | Claims | Paid | Busiest year | Outside high-risk zones |
|---|---|---|---|---|
| 95648 | 14 | $170,338 | 1995 (6) | 9 of 14 |
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 |
|---|---|
| 2005 | 1 |
| 2002 | 1 |
| 1997 | 2 |
| 1995 | 6 |
| 1993 | 1 |
| 1986 | 3 |
| Month | Claims |
|---|---|
| January | 7 |
| February | 4 |
| April | 1 |
| June | 1 |
| December | 1 |
| Date | Type | Distance |
|---|---|---|
| Dec 25, 2025 | Flood | 8.8 mi |
| Dec 25, 2025 | Flood | 8.7 mi |
| Dec 25, 2025 | Flood | 9.3 mi |
| Dec 24, 2025 | Flood | 8.8 mi |
| Feb 6, 2025 | Flood | 2.5 mi |
| Feb 6, 2025 | Flood | 4.2 mi |
| Feb 6, 2025 | Flood | 9.8 mi |
| Feb 4, 2025 | Flood | 9.6 mi |
| ZIP (ZCTA) | Share of Lincoln's land | Share of the ZIP inside the city |
|---|---|---|
| 95648 | 100% | 17% |
Lincoln water damage questions
Do I need flood insurance in Lincoln?
Homeowners policies exclude outside floodwater[9], and Lincoln-area ZIPs have 0 NFIP claims in just the last ten years[1].
Which Lincoln ZIP codes do these crews cover?
95648[7], in Placer County. Nearby pages: Rocklin (5.2 mi), Roseville (7.3 mi), and Auburn (11.7 mi)[4].
When was the last flood report near Lincoln?
Dec 25, 2025: a flood report 8.8 miles from the city center[5].
My Lincoln home is fairly new — could the plumbing fixtures and water heater still be under warranty?
Possibly: 17% of Lincoln's housing units were built in 2010 or later[2], the 3rd-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.