Water damage restoration · Dunedin, Florida
Water damage restoration in Dunedin, FL
Burst pipe, failed water heater, or storm water? Dunedin-area ZIPs: 1,654 flood claims since 1978[1]; 61% of homes built before 1980[2]. Request help from local restoration crews. Dunedin, in Pinellas County — ZIP 34698, counts 35,227 residents (2025 estimate)[3].
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Dunedin water damage snapshot: the key figures
- Population (2025 est.)
- 35,227[3]-2.6% since 2020
- County
- Pinellas[3]
- Land area
- 10.6 sq mi[4]
- Flood-insurance (NFIP) claims, local ZIPs
- 1,654 since 1978[1]$124,013,976 paid across 1,384 claims · ZIP 34698
- Flood & flash-flood reports within 10 mi
- 2[5]2016–2025 · latest Oct 10, 2024
- Homes built before 1980
- 61%[2]the 2nd-highest share of the 14 Tampa Bay–area suburbs we cover
- Households renting
- 29%[2]2020–2024
What the local data means for water damage in Dunedin
Dunedin is one of the most established suburbs tracked here — 35,227 people (2025 estimate), down just 2.6% since 2020[3]. On the map that's 10.6 square miles holding 3,321 residents per square mile, the 8th densest of the suburbs here; it sits entirely in Pinellas County, with ZIP code 34698[4].
Dunedin mixes 5% of homes built since 2010 and 61% 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 34698[6].
The tracked suburbs closest by are Clearwater (4.3 mi S), Safety Harbor (6.3 mi E) and Oldsmar (7.6 mi E)[4].
1,654 flood-insurance claims have come from Dunedin-area ZIP codes (34698) since 1978, and $124,013,976 has been paid on them (about $89,605 per paid claim)[1]. 2024 was the worst year, with 816 claims. That is the 4th-most of the 14 Tampa Bay–area suburbs we cover; for comparison, Clearwater (3,608), Safety Harbor (142), and Oldsmar (898). Outside water is a real part of the picture here. Of the 1,653 claims rated in a flood zone, 1,510 were in FEMA's high-risk areas (zones A or V) and 127 outside them (zones B, C or X), with 16 in undetermined zone D[1][7] — flooding here is not only a high-risk-zone problem.
By month of loss, Dunedin-area flood claims cluster in March (363), August (194), and September (806) — 1,363 of 1,654 dated claims[1].
Within 10 miles of central Dunedin, weather observers filed 2 flood, flash-flood or heavy-rain reports in 2016–2025 (1 flash floods)[5]. Countywide: no flood declarations since 2000[8]. Nearby: Clearwater (2), Safety Harbor (1), and Oldsmar (0).
61% of Dunedin's 21,305 housing units predate 1980[2] — the 2nd-highest share of the 14 Tampa Bay–area suburbs we cover (Clearwater (56%), Safety Harbor (29%), and Oldsmar (23%)). Aging supply lines and valves are the usual hidden-leak suspects in houses that old.
71% of Dunedin households own their home[2], so most claims and rebuilds here are coordinated by the owner.
Out of the 14 suburbs on this site, Dunedin has the 2nd-highest pre-1980 housing share (61%)[2], the 2nd-oldest housing (by median year built) (1976)[2], and the 2nd-highest median home value ($396,000)[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 Dunedin
Requests go to Water damage restoration contractors serving the Dunedin area — ZIP code 34698.
Before you pick up the phone: what a restoration crew does first
Shared walls and ceilings: Dunedin homes by building type
44%[2] of Dunedin's homes share walls, floors or ceilings with a neighbour (multi-unit buildings alone: 36%, the 5th-highest multi-unit share of the 14 Tampa Bay–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 mobile home: 2,341 of 21,305 housing units[2].
Dunedin also has 2,341 mobile homes (11.0%); for a leak under one, ask for a crew that works on manufactured homes.
| Building type | Units | Share | Margin of error |
|---|---|---|---|
| Detached house | 9,650 | 45.3% | ±545 |
| Attached house (townhouse, rowhouse) | 1,593 | 7.5% | ±254 |
| Duplex (2 units) | 542 | 2.5% | ±256 |
| 3–4 units | 1,093 | 5.1% | ±286 |
| 5–9 units | 1,487 | 7.0% | ±307 |
| 10–19 units | 1,038 | 4.9% | ±274 |
| 20–49 units | 1,842 | 8.6% | ±301 |
| 50 or more units | 1,719 | 8.1% | ±327 |
| Mobile home | 2,341 | 11.0% | ±378 |
Margins of error are the Census Bureau’s 90% intervals; small categories in small cities are rough.
The Dunedin numbers behind this page
| Measure | Dunedin | Median of 14 | Difference |
|---|---|---|---|
| Flood reports (10 mi) | 2 | 5 | 3 fewer |
| NFIP flood claims (area ZIPs) | 1,654 | 1,188 | 466 more |
| Built before 1980 | 61% | 48% | 14 pts higher |
| Median home value | $396,000 | $337,750 | 17% higher |
| Renter-occupied | 29% | 30% | 2 pts lower |
| Owner-occupied | 71% | 70% | 2 pts higher |
| Median year built | 1976 | 1981 | 5 years older |
Largest differences first. Medians are the middle value across the covered Tampa Bay–area suburbs, from the same sources.
| City | NFIP claims | Flood reports ≤10 mi | Built before 1980 | Renting |
|---|---|---|---|---|
| Dunedin | 1,654 | 2 | 61% | 29% |
| Clearwater 4.3 mi | 3,608 | 2 | 56% | 41% |
| Safety Harbor 6.3 mi | 142 | 1 | 29% | 16% |
| Oldsmar 7.6 mi | 898 | 0 | 23% | 23% |
| Tarpon Springs 7.7 mi | 1,478 | 5 | 40% | 19% |
| Largo 9.0 mi | 1,562 | 5 | 56% | 38% |
| ZIP | Claims | Paid | Busiest year | Outside high-risk zones |
|---|---|---|---|---|
| 34698 | 1,654 | $124,013,976 | 2024 (816) | 127 of 1,653 |
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 | 1 |
| 2025 | 1 |
| 2024 | 816 |
| 2023 | 73 |
| 2022 | 3 |
| 2021 | 1 |
| 2020 | 1 |
| 2019 | 4 |
| 2018 | 1 |
| 2017 | 7 |
| 2016 | 4 |
| 2015 | 21 |
| Month | Claims |
|---|---|
| January | 15 |
| February | 4 |
| March | 363 |
| April | 3 |
| May | 14 |
| June | 33 |
| July | 25 |
| August | 194 |
| September | 806 |
| October | 177 |
| November | 6 |
| December | 14 |
| Date | Type | Distance |
|---|---|---|
| Oct 10, 2024 | Flash Flood | 8.8 mi |
| Sep 1, 2016 | Flood | 9.5 mi |
| ZIP (ZCTA) | Share of Dunedin's land | Share of the ZIP inside the city |
|---|---|---|
| 34698 | 96% | 89% |
Dunedin water damage questions
Do I need flood insurance in Dunedin?
Homeowners policies exclude outside floodwater[9], and Dunedin-area ZIPs have 912 NFIP claims in just the last ten years[1].
Which Dunedin ZIP codes do these crews cover?
34698[6], in Pinellas County. Nearby pages: Clearwater (4.3 mi), Safety Harbor (6.3 mi), and Oldsmar (7.6 mi)[4].
When was the last flood report near Dunedin?
Oct 10, 2024: a flash flood report 8.8 miles from the city center[5].
A lot of Dunedin homes predate 1980 — what does that mean for plumbing fixtures and water heater work?
61% of Dunedin's housing units were built before 1980, 15.6% before 1960[2] — the 2nd-highest share of the 14 Tampa Bay–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.
Sources
- OpenFEMA NFIP claims
- Census ACS 2020–2024 5-year (keyless bulk)
- Census population estimates, Vintage 2025
- Census Gazetteer 2025
- NOAA Storm Events Database
- Census 2020 ZCTA–place file
- FEMA, Flood Zones (link unverified)
- OpenFEMA disaster declarations
- FEMA FloodSmart (link unverified)
Data pulled Sep 28, 2026. Full citations and method.