Water damage restoration · Arnold, Missouri
Water damage restoration in Arnold, MO
Burst pipe, failed water heater, or storm water? Arnold-area ZIPs: 1,217 flood claims since 1978[1]; 54% of homes built before 1980[2]. Request help from local restoration crews. Arnold, in Jefferson County — ZIP 63010, counts 20,994 residents (2025 estimate)[3].
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Arnold water damage snapshot: the key figures
- Population (2025 est.)
- 20,994[3]+0.5% since 2020
- County
- Jefferson[3]
- Land area
- 11.5 sq mi[4]
- Flood-insurance (NFIP) claims, local ZIPs
- 1,217 since 1978[1]$15,889,513 paid across 1,038 claims · ZIP 63010
- Flood & flash-flood reports within 10 mi
- 15[5]2016–2025 · latest Aug 10, 2025
- Winter-storm & freeze days, jefferson zone
- 11[5]2016–2025; hard freezes burst pipes
- Federal disaster declarations incl. flooding, Jefferson Co.
- 13[6]of 21 total declarations
- Homes built before 1980
- 54%[2]the 8th-highest share of the 15 St. Louis–area suburbs we cover
- Households renting
- 20%[2]2020–2024
Reading the Arnold data for water damage
Arnold counts 20,994 residents (2025 estimate), growing at a middle-of-the-pack 0.5% since 2020[3]. On the map that's 11.5 square miles holding 1,827 residents per square mile, the 11th densest of the suburbs here; it sits entirely in Jefferson County, with ZIP code 63010[4].
Arnold mixes 6% of homes built since 2010 and 54% 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: 63010[7].
The tracked suburbs closest by are Kirkwood (11.0 mi N), Webster Groves (11.1 mi N) and Ballwin (15.2 mi NW)[4].
1,217 flood-insurance claims have come from Arnold-area ZIP codes (63010) since 1978, and $15,889,513 has been paid on them (about $15,308 per paid claim)[1]. 1982 was the worst year, with 212 claims. That is the 3rd-most of the 15 St. Louis–area suburbs we cover; for comparison, Kirkwood (285), Webster Groves (111), and Ballwin (244). Outside water is a real part of the picture here. Of the 1,104 claims rated in a flood zone, 975 were in FEMA's high-risk areas (zones A or V) and 129 outside them (zones B, C or X)[1][8] — flooding here is not only a high-risk-zone problem.
By month of loss, Arnold-area flood claims cluster in April (285), May (232), and December (249) — 766 of 1,217 dated claims[1].
Within 10 miles of central Arnold, weather observers filed 15 flood, flash-flood or heavy-rain reports in 2016–2025 (12 flash floods)[5]. Countywide: 13 flood declarations since 2000, latest Severe Storms, Tornadoes, and Flooding (DR-4451, 2019)[6]. Nearby: Kirkwood (20), Webster Groves (21), and Ballwin (16).
54% of Arnold's 8,982 housing units predate 1980[2] — the 8th-highest share of the 15 St. Louis–area suburbs we cover (Kirkwood (70%), Webster Groves (80%), and Ballwin (59%)). Expect a mix of original and replaced plumbing.
Freeze days in the jefferson zone: 11 in 2016–2025, latest Dec 1, 2025[5]. Nearby: Kirkwood (12), Webster Groves (12), and Ballwin (12).
80% of Arnold households own their home[2], so most claims and rebuilds here are coordinated by the owner.
Among the 15 suburbs tracked here, Arnold stands out for the 3rd-most NFIP flood claims (1,217)[1] and the 3rd-lowest median home value ($220,000)[2].
How a leak spreads inside a wall
Leaked water spreads outward and wicks up drywall the longer it runs.
Arnold storm calendar
Within 10 miles of Arnold, 2016–2025: 12 flash-flood reports, 2 flood reports, and 1 heavy-rain report[5]. Peak: 60% in May, July, and August. Busiest year 2023 (3); 2 of 10 years had none. Busiest month July 2022 (2). Latest: flash-flood report, Aug 10, 2025, 8.0 mi out.
| Month | Flash flood | Flood | Heavy rain | All |
|---|---|---|---|---|
| Jan | – | 1 | – | 1 |
| Apr | 1 | 1 | – | 2 |
| May | 2 | – | 1 | 3 |
| Jun | 2 | – | – | 2 |
| Jul | 3 | – | – | 3 |
| Aug | 3 | – | – | 3 |
| Sep | 1 | – | – | 1 |
Get water damage help in Arnold
Requests go to Water damage restoration contractors serving the Arnold area — ZIP code 63010.
Before you pick up the phone: what a restoration crew does first
Shared walls and ceilings: Arnold homes by building type
With 79%[2] of homes detached, most Arnold 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): 523 of 8,982 housing units[2].
Arnold also has 310 mobile homes (3.5%); for a leak under one, ask for a crew that works on manufactured homes.
| Building type | Units | Share | Margin of error |
|---|---|---|---|
| Detached house | 7,092 | 79.0% | ±389 |
| Attached house (townhouse, rowhouse) | 523 | 5.8% | ±153 |
| Duplex (2 units) | 55 | 0.6% | ±54 |
| 3–4 units | 277 | 3.1% | ±121 |
| 5–9 units | 157 | 1.7% | ±68 |
| 10–19 units | 316 | 3.5% | ±137 |
| 20–49 units | 177 | 2.0% | ±136 |
| 50 or more units | 59 | 0.7% | ±60 |
| Mobile home | 310 | 3.5% | ±101 |
| Boat, RV, van, etc. | 16 | 0.2% | ±25 |
Margins of error are the Census Bureau’s 90% intervals; small categories in small cities are rough.
The Arnold numbers behind this page
| Measure | Arnold | Median of 15 | Difference |
|---|---|---|---|
| NFIP flood claims (area ZIPs) | 1,217 | 347 | 870 more |
| Median home value | $220,000 | $326,200 | 33% lower |
| Renter-occupied | 20% | 23% | 3 pts lower |
| Flood reports (10 mi) | 15 | 14 | 1 more |
| Owner-occupied | 80% | 77% | 3 pts higher |
| Built before 1980 | 54% | 54% | same as median |
| Median year built | 1977 | 1977 | same as median |
Sorted by largest difference. Each median is the middle value across the covered St. Louis–area suburbs, from the same sources.
| City | NFIP claims | Flood reports ≤10 mi | Freeze days | Built before 1980 | Renting |
|---|---|---|---|---|---|
| Arnold | 1,217 | 15 | 11 | 54% | 20% |
| Kirkwood 11.0 mi | 285 | 20 | 12 | 70% | 23% |
| Webster Groves 11.1 mi | 111 | 21 | 12 | 80% | 24% |
| Ballwin 15.2 mi | 244 | 16 | 12 | 59% | 16% |
| University City 16.7 mi | 1,257 | 27 | 12 | 85% | 44% |
| Wildwood 19.2 mi | 824 | 18 | 12 | 15% | 8% |
| ZIP | Claims | Paid | Busiest year | Outside high-risk zones |
|---|---|---|---|---|
| 63010 | 1,217 | $15,889,513 | 1982 (212) | 129 of 1,104 |
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 |
|---|---|
| 2025 | 2 |
| 2024 | 3 |
| 2022 | 7 |
| 2020 | 1 |
| 2019 | 7 |
| 2017 | 29 |
| 2016 | 4 |
| 2015 | 63 |
| 2014 | 2 |
| 2013 | 9 |
| 2008 | 25 |
| 2005 | 4 |
| Month | Claims |
|---|---|
| January | 8 |
| February | 33 |
| March | 49 |
| April | 285 |
| May | 232 |
| June | 49 |
| July | 149 |
| August | 42 |
| September | 33 |
| October | 52 |
| November | 36 |
| December | 249 |
| Date | Type | Distance |
|---|---|---|
| Aug 10, 2025 | Flash Flood | 8.0 mi |
| May 19, 2025 | Heavy Rain | 7.0 mi |
| Apr 4, 2025 | Flash Flood | 3.5 mi |
| Jul 17, 2023 | Flash Flood | 7.0 mi |
| May 14, 2023 | Flash Flood | 9.6 mi |
| May 14, 2023 | Flash Flood | 8.0 mi |
| Jul 28, 2022 | Flash Flood | 9.8 mi |
| Jul 26, 2022 | Flash Flood | 9.0 mi |
| ZIP (ZCTA) | Share of Arnold's land | Share of the ZIP inside the city |
|---|---|---|
| 63010 | 100% | 54% |
Common Arnold water damage questions
Do I need flood insurance in Arnold?
Homeowners policies exclude outside floodwater[9], and Arnold-area ZIPs have 53 NFIP claims in just the last ten years[1].
Which Arnold ZIP codes do these crews cover?
63010[7], in Jefferson County. Nearby pages: Kirkwood (11.0 mi), Webster Groves (11.1 mi), and Ballwin (15.2 mi)[4].
When was the last flood report near Arnold?
Aug 10, 2025: a flash flood report 8.0 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.