Water damage restoration · St. Charles, Missouri
Water damage restoration in St. Charles, MO
Burst pipe, failed water heater, or storm water? St. Charles-area ZIPs: 5,630 flood claims since 1978[1]; 38% of homes built before 1980[2]. Request help from local restoration crews. St. Charles, in St. Charles County — ZIPs 63301, 63303, counts 72,561 residents (2025 estimate)[3].
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St. Charles at a glance for water damage
- Population (2025 est.)
- 72,561[3]+2.7% since 2020
- County
- St. Charles[3]
- Land area
- 25.2 sq mi[4]
- Flood-insurance (NFIP) claims, local ZIPs
- 5,630 since 1978[1]$78,963,829 paid across 5,035 claims · ZIP 63301, 63303
- Flood & flash-flood reports within 10 mi
- 12[5]2016–2025 · latest Jun 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
- 38%[2]the 6th-lowest share of the 15 St. Louis–area suburbs we cover
- Households renting
- 32%[2]2020–2024
Reading the St. Charles data for water damage
St. Charles is one of the fastest-growing St. Louis–metro suburbs tracked here: 72,561 people (2025 estimate), up 2.7% since 2020[3]. On the map that's 25.2 square miles holding 2,875 residents per square mile, the 7th densest of the suburbs here; it sits entirely in St. Charles County, with ZIP codes 63301, 63303[4].
St. Charles mixes 15% of homes built since 2010 and 38% 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.
2 ZIP codes cover St. Charles — 63301 (70% of the city's land), 63303 (29% of the city's land)[7].
The tracked suburbs closest by are St. Peters (4.9 mi W), Maryland Heights (5.9 mi SE) and Hazelwood (6.4 mi E)[4].
5,630 flood-insurance claims have come from St. Charles-area ZIP codes (63301, 63303) since 1978, and $78,963,829 has been paid on them (about $15,683 per paid claim)[1]. 1993 was the worst year, with 1,356 claims. That is the most of the 15 St. Louis–area suburbs we cover; for comparison, St. Peters (534), Maryland Heights (161), and Hazelwood (807). Outside water is a real part of the picture here. Of the 5,527 claims rated in a flood zone, 5,182 were in FEMA's high-risk areas (zones A or V) and 344 outside them (zones B, C or X), with 1 in undetermined zone D[1][8] — flooding here is not only a high-risk-zone problem.
By month of loss, St. Charles-area flood claims cluster in April (1,386), May (856), and July (1,015) — 3,257 of 5,630 dated claims[1].
Within 10 miles of central St. Charles, weather observers filed 12 flood, flash-flood or heavy-rain reports in 2016–2025 (11 flash floods)[5]. Countywide: 11 flood declarations since 2000, latest Severe Storms and Flooding (DR-4665, 2022)[6]. Nearby: St. Peters (8), Maryland Heights (14), and Hazelwood (13).
38% of St. Charles's 32,305 housing units predate 1980[2] — the 6th-lowest share of the 15 St. Louis–area suburbs we cover (St. Peters (25%), Maryland Heights (61%), and Hazelwood (66%)). Expect a mix of original and replaced plumbing.
68% of St. Charles households own their home[2], so most claims and rebuilds here are coordinated by the owner.
Out of the 15 suburbs on this site, St. Charles has the most NFIP flood claims (5,630)[1].
How a leak spreads inside a wall
Give a leak time and it travels — outward across the floor, upward into drywall by capillary action.
St. Charles storm calendar
Within 10 miles of St. Charles, 2016–2025: 11 flash-flood reports and 1 flood report[5]. Peak: 75% in April, May, and August. Busiest year 2019 (4); 5 of 10 years had none. Busiest month May 2019 (2). Latest: flash-flood report, Jun 4, 2025, 6.3 mi out.
| Month | Flash flood | Flood | Heavy rain | All |
|---|---|---|---|---|
| Apr | 1 | 1 | – | 2 |
| May | 2 | – | – | 2 |
| Jun | 1 | – | – | 1 |
| Jul | 2 | – | – | 2 |
| Aug | 5 | – | – | 5 |
water damage help in St. Charles: what to do next
Requests go to Water damage restoration contractors serving the St. Charles area — ZIP codes 63301, 63303.
Before you pick up the phone: what a restoration crew does first
Shared walls and ceilings: St. Charles homes by building type
36%[2] of St. Charles's homes share walls, floors or ceilings with a neighbour (multi-unit buildings alone: 28%, the 4th-highest multi-unit share of the 15 St. Louis–area suburbs we cover). Water crosses those lines: in an attached or stacked unit, tell the neighbour and the association or landlord right away, and check whose policy covers which part of the damage.
After detached houses, the biggest group is attached house (townhouse, rowhouse): 2,580 of 32,305 housing units[2].
St. Charles also has 1,674 mobile homes (5.2%); for a leak under one, ask for a crew that works on manufactured homes.
| Building type | Units | Share | Margin of error |
|---|---|---|---|
| Detached house | 18,991 | 58.8% | ±584 |
| Attached house (townhouse, rowhouse) | 2,580 | 8.0% | ±311 |
| Duplex (2 units) | 995 | 3.1% | ±239 |
| 3–4 units | 1,595 | 4.9% | ±352 |
| 5–9 units | 1,919 | 5.9% | ±353 |
| 10–19 units | 2,311 | 7.2% | ±387 |
| 20–49 units | 833 | 2.6% | ±264 |
| 50 or more units | 1,388 | 4.3% | ±279 |
| Mobile home | 1,674 | 5.2% | ±269 |
| Boat, RV, van, etc. | 19 | 0.1% | ±21 |
Margins of error are the Census Bureau’s 90% intervals; small categories in small cities are rough.
The St. Charles numbers behind this page
| Measure | St. Charles | Median of 15 | Difference |
|---|---|---|---|
| NFIP flood claims (area ZIPs) | 5,630 | 347 | 5,283 more |
| Renter-occupied | 32% | 23% | 9 pts higher |
| Built before 1980 | 38% | 54% | 16 pts lower |
| Flood reports (10 mi) | 12 | 14 | 2 fewer |
| Owner-occupied | 68% | 77% | 9 pts lower |
| Median home value | $298,700 | $326,200 | 8% lower |
| Median year built | 1986 | 1977 | 9 years newer |
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 | Built before 1980 | Renting |
|---|---|---|---|---|
| St. Charles | 5,630 | 12 | 38% | 32% |
| St. Peters 4.9 mi | 534 | 8 | 25% | 21% |
| Maryland Heights 5.9 mi | 161 | 14 | 61% | 43% |
| Hazelwood 6.4 mi | 807 | 13 | 66% | 41% |
| Chesterfield 10.1 mi | 321 | 11 | 46% | 22% |
| Florissant 10.1 mi | 527 | 16 | 90% | 33% |
| ZIP | Claims | Paid | Busiest year | Outside high-risk zones |
|---|---|---|---|---|
| 63301 | 5,266 | $74,897,582 | 1993 (1297) | 251 of 5,169 |
| 63303 | 364 | $4,066,247 | 1993 (59) | 93 of 358 |
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 |
|---|---|
| 2026 | 2 |
| 2024 | 6 |
| 2023 | 2 |
| 2022 | 88 |
| 2021 | 2 |
| 2020 | 22 |
| 2019 | 178 |
| 2018 | 21 |
| 2017 | 31 |
| 2016 | 10 |
| 2015 | 113 |
| 2014 | 27 |
| Month | Claims |
|---|---|
| January | 12 |
| February | 85 |
| March | 294 |
| April | 1,386 |
| May | 856 |
| June | 691 |
| July | 1,015 |
| August | 101 |
| September | 81 |
| October | 666 |
| November | 46 |
| December | 397 |
| Date | Type | Distance |
|---|---|---|
| Jun 4, 2025 | Flash Flood | 6.3 mi |
| Apr 4, 2025 | Flash Flood | 3.7 mi |
| Apr 4, 2025 | Flood | 8.0 mi |
| Aug 4, 2022 | Flash Flood | 7.1 mi |
| Aug 3, 2022 | Flash Flood | 8.5 mi |
| Aug 8, 2020 | Flash Flood | 8.7 mi |
| Jul 30, 2020 | Flash Flood | 4.9 mi |
| Aug 12, 2019 | Flash Flood | 2.9 mi |
| ZIP (ZCTA) | Share of St. Charles's land | Share of the ZIP inside the city |
|---|---|---|
| 63301 | 70% | 21% |
| 63303 | 29% | 37% |
water damage questions from St. Charles homeowners
Do I need flood insurance in St. Charles?
Homeowners policies exclude outside floodwater[9], and St. Charles-area ZIPs have 362 NFIP claims in just the last ten years[1].
Which St. Charles ZIP codes do these crews cover?
63301 and 63303[7], in St. Charles County. Nearby pages: St. Peters (4.9 mi), Maryland Heights (5.9 mi), and Hazelwood (6.4 mi)[4].
Which St. Charles ZIP code has the most flood claims?
63301, with 5,266 NFIP claims and $74,897,582 paid[1].
When was the last flood report near St. Charles?
Jun 4, 2025: a flash flood report 6.3 miles from the city center[5].
My St. Charles home is fairly new — could the plumbing fixtures and water heater still be under warranty?
Possibly: 15% of St. Charles's housing units were built in 2010 or later[2], the 4th-highest share of the 15 St. Louis–area suburbs we cover. Check your closing paperwork for warranties before paying for a repair.
I rent in St. Charles. Who arranges the repair?
32% of occupied St. Charles homes are rented[2], the 5th-highest share of the 15 St. Louis–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.