Water damage restoration · Largo, Florida
Water damage restoration in Largo, FL
Burst pipe, failed water heater, or storm water? Largo-area ZIPs: 1,562 flood claims since 1978[1]; 56% of homes built before 1980[2]. Request help from local restoration crews. Largo, in Pinellas County — ZIPs 33771, 33770, 33774, 33764, 33760, 33778, counts 80,690 residents (2025 estimate)[3].
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Largo water damage snapshot: the key figures
- Population (2025 est.)
- 80,690[3]-2.5% since 2020
- County
- Pinellas[3]
- Land area
- 18.8 sq mi[4]
- Flood-insurance (NFIP) claims, local ZIPs
- 1,562 since 1978[1]$140,023,690 paid across 1,229 claims · ZIP 33771, 33770, 33774, 33764, 33760, 33778
- Flood & flash-flood reports within 10 mi
- 5[5]2016–2025 · latest Aug 10, 2025
- Homes built before 1980
- 56%[2]the 4th-highest share of the 14 Tampa Bay–area suburbs we cover
- Households renting
- 38%[2]2020–2024
Reading the Largo data for water damage
Largo is one of the most established suburbs tracked here — 80,690 people (2025 estimate), down just 2.5% since 2020[3]. It covers 18.8 square miles (4,298 residents per square mile, the 2nd densest), sits entirely in Pinellas County, in ZIP codes 33771, 33770, 33774, 33764, 33760, 33778[4].
Largo mixes 6% of homes built since 2010 and 56% 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.
Mail to Largo goes through 6 ZIP codes — 33771 (27% of the city's land), 33770 (22% of the city's land), 33774 (12% of the city's land), 33764 (12% of the city's land), 33760 (12% of the city's land), 33778 (6% of the city's land)[6].
The tracked suburbs closest by are Seminole (4.6 mi S), Clearwater (4.9 mi N) and Pinellas Park (5.3 mi SE)[4].
1,562 flood-insurance claims have come from Largo-area ZIP codes (33771, 33770, 33774, 33764, 33760, 33778) since 1978, and $140,023,690 has been paid on them (about $113,933 per paid claim)[1]. 2024 was the worst year, with 957 claims. That is the 6th-most of the 14 Tampa Bay–area suburbs we cover; for comparison, Seminole (685), Clearwater (3,608), and Pinellas Park (1,567). Of the 1,562 claims rated in a flood zone, 1,192 were in FEMA's high-risk areas (zones A or V) and 357 outside them (zones B, C or X), with 13 in undetermined zone D[1][7] — flooding here is not only a high-risk-zone problem.
By month of loss, Largo-area flood claims cluster in August (129), September (842), and October (316) — 1,287 of 1,562 dated claims[1].
Within 10 miles of central Largo, weather observers filed 5 flood, flash-flood or heavy-rain reports in 2016–2025 (2 flash floods)[5]. Countywide: no flood declarations since 2000[8]. Nearby: Seminole (8), Clearwater (2), and Pinellas Park (8).
56% of Largo's 46,806 housing units predate 1980[2] — the 4th-highest share of the 14 Tampa Bay–area suburbs we cover (Seminole (54%), Clearwater (56%), and Pinellas Park (57%)). Aging supply lines and valves are the usual hidden-leak suspects in houses that old.
62% of Largo households own their home[2], so most claims and rebuilds here are coordinated by the owner.
Among the 14 suburbs tracked here, Largo stands out for the 3rd-oldest housing (by median year built) (1978, tied with Clearwater and Pinellas Park)[2].
How a leak spreads inside a wall
Leaked water spreads outward and wicks up drywall the longer it runs.
Get water damage help in Largo
Your request reaches Water damage restoration contractors who serve Largo (ZIP codes 33771, 33770, 33774, 33764, 33760, 33778).
Before you call: what a restoration crew does first
Shared walls and ceilings: Largo homes by building type
44%[2] of Largo's homes share walls, floors or ceilings with a neighbour (multi-unit buildings alone: 38%, the 4th-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: 12,198 of 46,806 housing units[2].
Largo also has 12,198 mobile homes (26.1%); for a leak under one, ask for a crew that works on manufactured homes.
| Building type | Units | Share | Margin of error |
|---|---|---|---|
| Detached house | 13,813 | 29.5% | ±778 |
| Attached house (townhouse, rowhouse) | 3,069 | 6.6% | ±437 |
| Duplex (2 units) | 1,174 | 2.5% | ±267 |
| 3–4 units | 2,306 | 4.9% | ±419 |
| 5–9 units | 3,080 | 6.6% | ±445 |
| 10–19 units | 3,900 | 8.3% | ±638 |
| 20–49 units | 2,507 | 5.4% | ±458 |
| 50 or more units | 4,628 | 9.9% | ±545 |
| Mobile home | 12,198 | 26.1% | ±695 |
| Boat, RV, van, etc. | 131 | 0.3% | ±68 |
Margins of error are the Census Bureau’s 90% intervals; small categories in small cities are rough.
The data underneath this Largo page
| Measure | Largo | Median of 14 | Difference |
|---|---|---|---|
| Median home value | $229,100 | $337,750 | 32% lower |
| NFIP flood claims (area ZIPs) | 1,562 | 1,188 | 374 more |
| Renter-occupied | 38% | 30% | 8 pts higher |
| Built before 1980 | 56% | 48% | 9 pts higher |
| Owner-occupied | 62% | 70% | 8 pts lower |
| Median year built | 1978 | 1981 | 3 years older |
| Flood reports (10 mi) | 5 | 5 | same as median |
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 |
|---|---|---|---|---|
| Largo | 1,562 | 5 | 56% | 38% |
| Seminole 4.6 mi | 685 | 8 | 54% | 27% |
| Clearwater 4.9 mi | 3,608 | 2 | 56% | 41% |
| Pinellas Park 5.3 mi | 1,567 | 8 | 57% | 31% |
| Safety Harbor 8.2 mi | 142 | 1 | 29% | 16% |
| Dunedin 9.0 mi | 1,654 | 2 | 61% | 29% |
| ZIP | Claims | Paid | Busiest year | Outside high-risk zones |
|---|---|---|---|---|
| 33771 | 187 | $29,417,286 | 2024 (135) | 58 of 187 |
| 33770 | 391 | $41,244,244 | 2024 (263) | 53 of 391 |
| 33774 | 242 | $13,625,997 | 2024 (104) | 113 of 242 |
| 33764 | 545 | $50,343,439 | 2024 (366) | 73 of 545 |
| 33760 | 166 | $4,701,777 | 2024 (74) | 36 of 166 |
| 33778 | 31 | $690,947 | 2024 (15) | 24 of 31 |
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 | 3 |
| 2025 | 2 |
| 2024 | 957 |
| 2023 | 12 |
| 2022 | 4 |
| 2021 | 3 |
| 2020 | 11 |
| 2019 | 4 |
| 2018 | 13 |
| 2017 | 14 |
| 2016 | 35 |
| 2015 | 15 |
| Month | Claims |
|---|---|
| January | 5 |
| February | 16 |
| March | 33 |
| April | 16 |
| May | 38 |
| June | 62 |
| July | 58 |
| August | 129 |
| September | 842 |
| October | 316 |
| November | 24 |
| December | 23 |
| Date | Type | Distance |
|---|---|---|
| Aug 10, 2025 | Flash Flood | 9.6 mi |
| Oct 10, 2024 | Flash Flood | 1.6 mi |
| Aug 8, 2022 | Flood | 8.4 mi |
| Nov 11, 2020 | Flood | 9.4 mi |
| Aug 31, 2016 | Flood | 4.8 mi |
| ZIP (ZCTA) | Share of Largo's land | Share of the ZIP inside the city |
|---|---|---|
| 33771 | 27% | 82% |
| 33770 | 22% | 77% |
| 33774 | 12% | 49% |
| 33764 | 12% | 34% |
| 33760 | 12% | 38% |
| 33778 | 6% | 31% |
Common Largo water damage questions
Do I need flood insurance in Largo?
Homeowners policies exclude outside floodwater[9], and Largo-area ZIPs have 1,058 NFIP claims in just the last ten years[1].
Which Largo ZIP codes do these crews cover?
33771, 33770, 33774, 33764, 33760, and 33778[6], in Pinellas County. Nearby pages: Seminole (4.6 mi), Clearwater (4.9 mi), and Pinellas Park (5.3 mi)[4].
Which Largo ZIP code has the most flood claims?
33764, with 545 NFIP claims and $50,343,439 paid[1].
When was the last flood report near Largo?
Aug 10, 2025: a flash flood report 9.6 miles from the city center[5].
A lot of Largo homes predate 1980 — what does that mean for plumbing fixtures and water heater work?
56% of Largo's housing units were built before 1980, 8.9% before 1960[2] — the 4th-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.
I rent in Largo. Who arranges the repair?
38% of occupied Largo homes are rented[2], the 4th-highest share of the 14 Tampa Bay–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
- 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.