Water damage restoration · Rancho Cordova, California
Water damage restoration in Rancho Cordova, CA
Burst pipe, failed water heater, or storm water? Rancho Cordova-area ZIPs: 19 flood claims since 1982[1]; 51% of homes built before 1980[2]. Request help from local restoration crews. Rancho Cordova, in Sacramento County — ZIPs 95742, 95670, 95827, counts 87,554 residents (2025 estimate)[3].
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Rancho Cordova at a glance for water damage
- Population (2025 est.)
- 87,554[3]+10.4% since 2020
- County
- Sacramento[3]
- Land area
- 34.6 sq mi[4]
- Flood-insurance (NFIP) claims, local ZIPs
- 19 since 1982[1]$31,218 paid across 10 claims · ZIP 95742, 95670, 95827
- Flood & flash-flood reports within 10 mi
- 70[5]2016–2025 · latest Dec 25, 2025
- Federal disaster declarations incl. flooding, Sacramento Co.
- 8[6]of 11 total declarations
- Homes built before 1980
- 51%[2]the 4th-highest share of the 13 Sacramento-area suburbs we cover
- Households renting
- 42%[2]2020–2024
What the local data means for water damage in Rancho Cordova
Rancho Cordova is one of the fastest-growing Sacramento-metro suburbs tracked here: 87,554 people (2025 estimate), up 10.4% since 2020[3]. On the map that's 34.6 square miles holding 2,533 residents per square mile, the 10th densest of the suburbs here; it sits entirely in Sacramento County, with ZIP codes 95742, 95670, 95827[4].
Rancho Cordova mixes 13% of homes built since 2010 and 51% 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 Rancho Cordova — 95742 (62% of the city's land), 95670 (29% of the city's land), 95827 (8% of the city's land)[7].
The closest tracked neighbours are Folsom (8.0 mi NE), Citrus Heights (8.6 mi N) and Elk Grove (13.8 mi SW)[4].
19 flood-insurance claims have come from Rancho Cordova-area ZIP codes (95742, 95670, 95827) since 1982, and $31,218 has been paid on them (about $3,122 per paid claim)[1]. 1995 was the worst year, with 9 claims. That is the 2nd-fewest of the 13 Sacramento-area suburbs we cover; for comparison, Folsom (29), Citrus Heights (207), and Elk Grove (98). Most jobs here start inside the house. Of the 19 claims rated in a flood zone, 9 were in FEMA's high-risk areas (zones A or V) and 10 outside them (zones B, C or X)[1][8] — flooding here is not only a high-risk-zone problem.
By month of loss, Rancho Cordova-area flood claims cluster in January (11), February (4), and March (3) — 18 of 19 dated claims[1].
Within 10 miles of central Rancho Cordova, weather observers filed 70 flood, flash-flood or heavy-rain reports in 2016–2025 (2 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: Folsom (45), Citrus Heights (66), and Elk Grove (27).
51% of Rancho Cordova's 29,313 housing units predate 1980[2] — the 4th-highest share of the 13 Sacramento-area suburbs we cover (Folsom (13%), Citrus Heights (62%), and Elk Grove (9%)). Aging supply lines and valves are the usual hidden-leak suspects in houses that old.
42% of Rancho Cordova households rent[2]: tenants should report leaks to the landlord in writing, with photos.
Among the 13 suburbs tracked here, Rancho Cordova stands out for the most flood reports nearby (70)[5], the 2nd-fewest NFIP flood claims (19)[1], the 2nd-highest renter share (42%)[2], and the 3rd-lowest median home value ($477,600)[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.
Rancho Cordova storm calendar
Within 10 miles of Rancho Cordova, 2016–2025: 2 flash-flood reports, 59 flood reports, and 9 heavy-rain reports[5]. Peak: 64% in January, February, and December. Busiest year 2023 (18). Busiest month January 2023 (13). Latest: flood report, Dec 25, 2025, 7.8 mi out.
| Month | Flash flood | Flood | Heavy rain | All |
|---|---|---|---|---|
| Jan | 2 | 14 | 2 | 18 |
| Feb | – | 11 | 2 | 13 |
| Mar | – | 9 | – | 9 |
| Apr | – | 7 | – | 7 |
| Oct | – | 3 | 2 | 5 |
| Nov | – | 3 | 1 | 4 |
| Dec | – | 12 | 2 | 14 |
Finding water damage help around Rancho Cordova
Your request reaches Water damage restoration contractors who serve Rancho Cordova (ZIP codes 95742, 95670, 95827).
Before reaching out: what a restoration crew does first
Shared walls and ceilings: Rancho Cordova homes by building type
With 62%[2] of homes detached, most Rancho Cordova 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): 2,450 of 29,313 housing units[2].
Rancho Cordova also has 1,156 mobile homes (3.9%); for a leak under one, ask for a crew that works on manufactured homes.
| Building type | Units | Share | Margin of error |
|---|---|---|---|
| Detached house | 18,067 | 61.6% | ±650 |
| Attached house (townhouse, rowhouse) | 2,450 | 8.4% | ±315 |
| Duplex (2 units) | 436 | 1.5% | ±189 |
| 3–4 units | 1,314 | 4.5% | ±264 |
| 5–9 units | 1,783 | 6.1% | ±347 |
| 10–19 units | 1,089 | 3.7% | ±268 |
| 20–49 units | 699 | 2.4% | ±216 |
| 50 or more units | 2,273 | 7.8% | ±412 |
| Mobile home | 1,156 | 3.9% | ±219 |
| Boat, RV, van, etc. | 46 | 0.2% | ±41 |
Margins of error are the Census Bureau’s 90% intervals; small categories in small cities are rough.
The Rancho Cordova numbers behind this page
| Measure | Rancho Cordova | Median of 13 | Difference |
|---|---|---|---|
| Flood reports (10 mi) | 70 | 27 | 43 more |
| NFIP flood claims (area ZIPs) | 19 | 35 | 16 fewer |
| Median home value | $477,600 | $630,100 | 24% lower |
| Built before 1980 | 51% | 44% | 7 pts higher |
| Renter-occupied | 42% | 38% | 4 pts higher |
| Owner-occupied | 58% | 62% | 4 pts lower |
| Median year built | 1979 | 1987 | 8 years older |
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 |
|---|---|---|---|---|
| Rancho Cordova | 19 | 70 | 51% | 42% |
| Folsom 8.0 mi | 29 | 45 | 13% | 30% |
| Citrus Heights 8.6 mi | 207 | 66 | 62% | 39% |
| Elk Grove 13.8 mi | 98 | 27 | 9% | 26% |
| Roseville 14.1 mi | 303 | 48 | 17% | 31% |
| Rocklin 15.9 mi | 25 | 37 | 15% | 32% |
| ZIP | Claims | Paid | Busiest year | Outside high-risk zones |
|---|---|---|---|---|
| 95742 | 0 | $0 | — | — |
| 95670 | 5 | $6,913 | 1995 (3) | 4 of 5 |
| 95827 | 14 | $24,305 | 1995 (6) | 6 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 |
|---|---|
| 2023 | 2 |
| 2011 | 1 |
| 2002 | 1 |
| 1999 | 1 |
| 1998 | 2 |
| 1997 | 1 |
| 1995 | 9 |
| 1986 | 1 |
| 1982 | 1 |
| Month | Claims |
|---|---|
| January | 11 |
| February | 4 |
| March | 3 |
| December | 1 |
| Date | Type | Distance |
|---|---|---|
| Dec 25, 2025 | Flood | 10.0 mi |
| Dec 25, 2025 | Flood | 7.8 mi |
| Dec 24, 2025 | Flood | 9.3 mi |
| Dec 24, 2025 | Flood | 2.9 mi |
| Nov 17, 2025 | Flood | 4.7 mi |
| Nov 13, 2025 | Flood | 8.7 mi |
| Nov 13, 2025 | Flood | 2.9 mi |
| Feb 13, 2025 | Flood | 4.8 mi |
| ZIP (ZCTA) | Share of Rancho Cordova's land | Share of the ZIP inside the city |
|---|---|---|
| 95742 | 62% | 42% |
| 95670 | 29% | 78% |
| 95827 | 8% | 29% |
Rancho Cordova water damage questions
Do I need flood insurance in Rancho Cordova?
Homeowners policies exclude outside floodwater[9], and Rancho Cordova-area ZIPs have 2 NFIP claims in just the last ten years[1].
Which Rancho Cordova ZIP codes do these crews cover?
95742, 95670, and 95827[7], in Sacramento County. Nearby pages: Folsom (8.0 mi), Citrus Heights (8.6 mi), and Elk Grove (13.8 mi)[4].
Which Rancho Cordova ZIP code has the most flood claims?
95827, with 14 NFIP claims and $24,305 paid[1].
When was the last flood report near Rancho Cordova?
Dec 25, 2025: a flood report 10.0 miles from the city center[5].
A lot of Rancho Cordova homes predate 1980 — what does that mean for plumbing fixtures and water heater work?
51% of Rancho Cordova's housing units were built before 1980, 12.6% before 1960[2] — the 4th-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.
I rent in Rancho Cordova. Who arranges the repair?
42% of occupied Rancho Cordova homes are rented[2], the 2nd-highest share of the 13 Sacramento-area suburbs we cover. Tell your landlord or property manager in writing first; your lease says who arranges repairs.
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.