Water damage restoration · Lake St. Louis, Missouri
Water damage restoration in Lake St. Louis, MO
Burst pipe, failed water heater, or storm water? Lake St. Louis-area ZIPs: 14 flood claims since 1979[1]; 19% of homes built before 1980[2]. Request help from local restoration crews. Lake St. Louis, in St. Charles County — ZIP 63367, counts 19,129 residents (2025 estimate)[3].
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Lake St. Louis at a glance for water damage
- Population (2025 est.)
- 19,129[3]+14.4% since 2020
- County
- St. Charles[3]
- Land area
- 8.6 sq mi[4]
- Flood-insurance (NFIP) claims, local ZIPs
- 14 since 1979[1]$37,396 paid across 8 claims · ZIP 63367
- Flood & flash-flood reports within 10 mi
- 5[5]2016–2025 · latest Apr 4, 2025
- Winter-storm & freeze days, st. charles zone
- 12[5]2016–2025; hard freezes burst pipes
- Federal disaster declarations incl. flooding, St. Charles Co.
- 11[6]of 18 total declarations
- Homes built before 1980
- 19%[2]the 4th-lowest share of the 15 St. Louis–area suburbs we cover
- Households renting
- 24%[2]2020–2024
Reading the Lake St. Louis data for water damage
Lake St. Louis is one of the fastest-growing St. Louis–metro suburbs tracked here: 19,129 people (2025 estimate), up 14.4% since 2020[3]. It covers 8.6 square miles (2,233 residents per square mile, the 10th densest), sits entirely in St. Charles County, in ZIP code 63367[4].
Lake St. Louis mixes 25% of homes built since 2010 and 19% 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 63367[7].
The closest tracked neighbours are O'Fallon (3.4 mi E), Wentzville (5.2 mi NW) and St. Peters (9.8 mi E)[4].
14 flood-insurance claims have come from Lake St. Louis-area ZIP codes (63367) since 1979, and $37,396 has been paid on them (about $4,675 per paid claim)[1]. 1982 was the worst year, with 4 claims. That is the 2nd-fewest of the 15 St. Louis–area suburbs we cover; for comparison, O'Fallon (347), Wentzville (13), and St. Peters (534). Most jobs here start inside the house. Of the 8 claims rated in a flood zone, 6 were in FEMA's high-risk areas (zones A or V) and 2 outside them (zones B, C or X)[1][8] — flooding here is not only a high-risk-zone problem.
By month of loss, Lake St. Louis-area flood claims cluster in April (2), July (3), and December (6) — 11 of 14 dated claims[1].
Within 10 miles of central Lake St. Louis, weather observers filed 5 flood, flash-flood or heavy-rain reports in 2016–2025 (5 flash floods)[5]. Countywide: 11 flood declarations since 2000, latest Severe Storms and Flooding (DR-4665, 2022)[6]. Nearby: O'Fallon (6), Wentzville (5), and St. Peters (8).
19% of Lake St. Louis's 7,657 housing units predate 1980[2] — the 4th-lowest share of the 15 St. Louis–area suburbs we cover (O'Fallon (9%), Wentzville (10%), and St. Peters (25%)). In newer houses, check fittings, washer hoses and the water-heater pan first — and any builder warranty.
76% of Lake St. Louis households own their home[2], so most claims and rebuilds here are coordinated by the owner.
Among the 15 suburbs tracked here, Lake St. Louis stands out for the fewest flood reports nearby (5, tied with Wentzville)[5], the 2nd-fewest NFIP flood claims (14)[1], and the 2nd-newest housing (by median year built) (2000, tied with O'Fallon)[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.
Finding water damage help around Lake St. Louis
Your request reaches Water damage restoration contractors who serve Lake St. Louis (ZIP code 63367).
Before you pick up the phone: what a restoration crew does first
Shared walls and ceilings: Lake St. Louis homes by building type
With 67%[2] of homes detached, most Lake St. Louis 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): 835 of 7,657 housing units[2].
| Building type | Units | Share | Margin of error |
|---|---|---|---|
| Detached house | 5,118 | 66.8% | ±282 |
| Attached house (townhouse, rowhouse) | 835 | 10.9% | ±238 |
| Duplex (2 units) | 17 | 0.2% | ±24 |
| 3–4 units | 251 | 3.3% | ±152 |
| 5–9 units | 591 | 7.7% | ±203 |
| 10–19 units | 363 | 4.7% | ±158 |
| 20–49 units | 413 | 5.4% | ±194 |
| 50 or more units | 69 | 0.9% | ±47 |
Margins of error are the Census Bureau’s 90% intervals; small categories in small cities are rough.
The Lake St. Louis numbers behind this page
| Measure | Lake St. Louis | Median of 15 | Difference |
|---|---|---|---|
| NFIP flood claims (area ZIPs) | 14 | 347 | 333 fewer |
| Flood reports (10 mi) | 5 | 14 | 9 fewer |
| Built before 1980 | 19% | 54% | 35 pts lower |
| Median home value | $405,900 | $326,200 | 24% higher |
| Renter-occupied | 24% | 23% | 2 pts higher |
| Owner-occupied | 76% | 77% | 2 pts lower |
| Median year built | 2000 | 1977 | 23 years newer |
Largest differences first. Medians are the middle value across the covered St. Louis–area suburbs, from the same sources.
| City | NFIP claims | Flood reports ≤10 mi | Built before 1980 | Renting |
|---|---|---|---|---|
| Lake St. Louis | 14 | 5 | 19% | 24% |
| O'Fallon 3.4 mi | 347 | 6 | 9% | 19% |
| Wentzville 5.2 mi | 13 | 5 | 10% | 18% |
| St. Peters 9.8 mi | 534 | 8 | 25% | 21% |
| Chesterfield 14.1 mi | 321 | 11 | 46% | 22% |
| St. Charles 14.6 mi | 5,630 | 12 | 38% | 32% |
| ZIP | Claims | Paid | Busiest year | Outside high-risk zones |
|---|---|---|---|---|
| 63367 | 14 | $37,396 | 1982 (4) | 2 of 8 |
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 |
|---|---|
| 2022 | 1 |
| 2015 | 2 |
| 2009 | 1 |
| 1994 | 1 |
| 1991 | 1 |
| 1986 | 1 |
| 1983 | 1 |
| 1982 | 4 |
| 1981 | 1 |
| 1979 | 1 |
| Month | Claims |
|---|---|
| April | 2 |
| May | 1 |
| July | 3 |
| October | 2 |
| December | 6 |
| Date | Type | Distance |
|---|---|---|
| Apr 4, 2025 | Flash Flood | 8.6 mi |
| Jul 26, 2022 | Flash Flood | 9.6 mi |
| Jul 26, 2022 | Flash Flood | 9.3 mi |
| Jun 22, 2020 | Flash Flood | 2.6 mi |
| Jul 10, 2019 | Flash Flood | 5.9 mi |
| ZIP (ZCTA) | Share of Lake St. Louis's land | Share of the ZIP inside the city |
|---|---|---|
| 63367 | 98% | 65% |
Lake St. Louis water damage questions
Do I need flood insurance in Lake St. Louis?
Homeowners policies exclude outside floodwater[9], and Lake St. Louis-area ZIPs have 1 NFIP claim in just the last ten years[1].
Which Lake St. Louis ZIP codes do these crews cover?
63367[7], in St. Charles County. Nearby pages: O'Fallon (3.4 mi), Wentzville (5.2 mi), and St. Peters (9.8 mi)[4].
When was the last flood report near Lake St. Louis?
Apr 4, 2025: a flash flood report 8.6 miles from the city center[5].
My Lake St. Louis home is fairly new — could the plumbing fixtures and water heater still be under warranty?
Possibly: 25% of Lake St. Louis's housing units were built in 2010 or later[2], the 2nd-highest share of the 15 St. Louis–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.