Water damage restoration · St. Peters, Missouri
Water damage restoration in St. Peters, MO
Burst pipe, failed water heater, or storm water? St. Peters-area ZIPs: 534 flood claims since 1978[1]; 25% of homes built before 1980[2]. Request help from local restoration crews. St. Peters, in St. Charles County — ZIPs 63376, 63304, counts 61,479 residents (2025 estimate)[3].
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St. Peters at a glance for water damage
- Population (2025 est.)
- 61,479[3]+6.5% since 2020
- County
- St. Charles[3]
- Land area
- 22.5 sq mi[4]
- Flood-insurance (NFIP) claims, local ZIPs
- 534 since 1978[1]$8,343,756 paid across 446 claims · ZIP 63376, 63304
- Flood & flash-flood reports within 10 mi
- 8[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
- 25%[2]the 5th-lowest share of the 15 St. Louis–area suburbs we cover
- Households renting
- 21%[2]2020–2024
What St. Peters's numbers say about water damage
St. Peters is one of the fastest-growing St. Louis–metro suburbs tracked here: 61,479 people (2025 estimate), up 6.5% since 2020[3]. It covers 22.5 square miles (2,728 residents per square mile, the 8th densest), sits entirely in St. Charles County, in ZIP codes 63376, 63304[4].
St. Peters mixes 12% of homes built since 2010 and 25% 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. Peters — 63376 (85% of the city's land), 63304 (11% of the city's land)[7].
Nearest of the other suburbs we track: St. Charles (4.9 mi E), O'Fallon (6.3 mi W) and Maryland Heights (8.4 mi SE)[4].
534 flood-insurance claims have come from St. Peters-area ZIP codes (63376, 63304) since 1978, and $8,343,756 has been paid on them (about $18,708 per paid claim)[1]. 1993 was the worst year, with 117 claims. That is the 6th-most of the 15 St. Louis–area suburbs we cover; for comparison, St. Charles (5,630), O'Fallon (347), and Maryland Heights (161). Of the 523 claims rated in a flood zone, 465 were in FEMA's high-risk areas (zones A or V) and 58 outside them (zones B, C or X)[1][8] — flooding here is not only a high-risk-zone problem.
By month of loss, St. Peters-area flood claims cluster in April (81), May (78), and July (132) — 291 of 534 dated claims[1].
Within 10 miles of central St. Peters, weather observers filed 8 flood, flash-flood or heavy-rain reports in 2016–2025 (8 flash floods)[5]. Countywide: 11 flood declarations since 2000, latest Severe Storms and Flooding (DR-4665, 2022)[6]. Nearby: St. Charles (12), O'Fallon (6), and Maryland Heights (14).
25% of St. Peters's 25,557 housing units predate 1980[2] — the 5th-lowest share of the 15 St. Louis–area suburbs we cover (St. Charles (38%), O'Fallon (9%), and Maryland Heights (61%)). In newer houses, check fittings, washer hoses and the water-heater pan first — and any builder warranty.
79% of St. Peters households own their home[2], so most claims and rebuilds here are coordinated by the owner.
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. Peters storm calendar
Within 10 miles of St. Peters, 2016–2025: 8 flash-flood reports[5]. Peak: 75% in April, July, and August. Busiest year 2019 (3); 6 of 10 years had none. Busiest month May 2019 (1). Latest: flash-flood report, Jun 4, 2025, 5.0 mi out.
| Month | Flash flood | Flood | Heavy rain | All |
|---|---|---|---|---|
| Apr | 1 | – | – | 1 |
| May | 1 | – | – | 1 |
| Jun | 1 | – | – | 1 |
| Jul | 3 | – | – | 3 |
| Aug | 2 | – | – | 2 |
Get water damage help in St. Peters
Your request reaches Water damage restoration contractors who serve St. Peters (ZIP codes 63376, 63304).
Before you pick up the phone: what a restoration crew does first
Shared walls and ceilings: St. Peters homes by building type
With 68%[2] of homes detached, most St. Peters 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): 2,667 of 25,557 housing units[2].
St. Peters also has 520 mobile homes (2.0%); for a leak under one, ask for a crew that works on manufactured homes.
| Building type | Units | Share | Margin of error |
|---|---|---|---|
| Detached house | 17,332 | 67.8% | ±623 |
| Attached house (townhouse, rowhouse) | 2,667 | 10.4% | ±343 |
| Duplex (2 units) | 182 | 0.7% | ±99 |
| 3–4 units | 1,743 | 6.8% | ±376 |
| 5–9 units | 994 | 3.9% | ±350 |
| 10–19 units | 1,083 | 4.2% | ±285 |
| 20–49 units | 415 | 1.6% | ±151 |
| 50 or more units | 621 | 2.4% | ±159 |
| Mobile home | 520 | 2.0% | ±200 |
Margins of error are the Census Bureau’s 90% intervals; small categories in small cities are rough.
St. Peters by the numbers
| Measure | St. Peters | Median of 15 | Difference |
|---|---|---|---|
| NFIP flood claims (area ZIPs) | 534 | 347 | 187 more |
| Built before 1980 | 25% | 54% | 29 pts lower |
| Flood reports (10 mi) | 8 | 14 | 6 fewer |
| Median home value | $269,900 | $326,200 | 17% lower |
| Renter-occupied | 21% | 23% | 2 pts lower |
| Owner-occupied | 79% | 77% | 2 pts higher |
| Median year built | 1988 | 1977 | 11 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. Peters | 534 | 8 | 25% | 21% |
| St. Charles 4.9 mi | 5,630 | 12 | 38% | 32% |
| O'Fallon 6.3 mi | 347 | 6 | 9% | 19% |
| Maryland Heights 8.4 mi | 161 | 14 | 61% | 43% |
| Chesterfield 8.7 mi | 321 | 11 | 46% | 22% |
| Lake St. Louis 9.8 mi | 14 | 5 | 19% | 24% |
| ZIP | Claims | Paid | Busiest year | Outside high-risk zones |
|---|---|---|---|---|
| 63376 | 400 | $6,417,902 | 1993 (95) | 31 of 393 |
| 63304 | 134 | $1,925,854 | 1993 (22) | 27 of 130 |
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 | 5 |
| 2022 | 31 |
| 2020 | 16 |
| 2019 | 32 |
| 2017 | 4 |
| 2016 | 2 |
| 2015 | 34 |
| 2013 | 14 |
| 2011 | 5 |
| 2010 | 1 |
| 2009 | 1 |
| Month | Claims |
|---|---|
| January | 6 |
| February | 7 |
| March | 19 |
| April | 81 |
| May | 78 |
| June | 74 |
| July | 132 |
| August | 29 |
| September | 18 |
| October | 25 |
| November | 4 |
| December | 61 |
| Date | Type | Distance |
|---|---|---|
| Jun 4, 2025 | Flash Flood | 5.0 mi |
| Apr 4, 2025 | Flash Flood | 6.8 mi |
| Aug 3, 2022 | Flash Flood | 7.3 mi |
| Jul 26, 2022 | Flash Flood | 8.3 mi |
| Jul 30, 2020 | Flash Flood | 6.0 mi |
| Aug 12, 2019 | Flash Flood | 7.2 mi |
| Jul 10, 2019 | Flash Flood | 4.3 mi |
| May 6, 2019 | Flash Flood | 3.6 mi |
| ZIP (ZCTA) | Share of St. Peters's land | Share of the ZIP inside the city |
|---|---|---|
| 63376 | 85% | 48% |
| 63304 | 11% | 5% |
Common St. Peters water damage questions
Do I need flood insurance in St. Peters?
Homeowners policies exclude outside floodwater[9], and St. Peters-area ZIPs have 92 NFIP claims in just the last ten years[1].
Which St. Peters ZIP codes do these crews cover?
63376 and 63304[7], in St. Charles County. Nearby pages: St. Charles (4.9 mi), O'Fallon (6.3 mi), and Maryland Heights (8.4 mi)[4].
Which St. Peters ZIP code has the most flood claims?
63376, with 400 NFIP claims and $6,417,902 paid[1].
When was the last flood report near St. Peters?
Jun 4, 2025: a flash flood report 5.0 miles from the city center[5].
My St. Peters home is fairly new — could the plumbing fixtures and water heater still be under warranty?
Possibly: 12% of St. Peters's housing units were built in 2010 or later[2], the 5th-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.