Water damage restoration · Oldsmar, Florida
Water damage restoration in Oldsmar, FL
Burst pipe, failed water heater, or storm water? Oldsmar-area ZIPs: 898 flood claims since 1979[1]; 23% of homes built before 1980[2]. Request help from local restoration crews. Oldsmar, in Pinellas County — ZIP 34677, counts 14,521 residents (2025 estimate)[3].
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The Oldsmar water damage picture in brief
- Population (2025 est.)
- 14,521[3]-2.8% since 2020
- County
- Pinellas[3]
- Land area
- 8.9 sq mi[4]
- Flood-insurance (NFIP) claims, local ZIPs
- 898 since 1979[1]$42,872,307 paid across 672 claims · ZIP 34677
- Flood & flash-flood reports within 10 mi
- 0[5]2016–2025
- Homes built before 1980
- 23%[2]the lowest share of the 14 Tampa Bay–area suburbs we cover
- Households renting
- 23%[2]2020–2024
Reading the Oldsmar data for water damage
Oldsmar is one of the most established suburbs tracked here — 14,521 people (2025 estimate), down just 2.8% since 2020[3]. On the map that's 8.9 square miles holding 1,623 residents per square mile, the 12th densest of the suburbs here; it sits entirely in Pinellas County, with ZIP code 34677[4].
Oldsmar mixes 8% of homes built since 2010 and 23% 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.
34677 is the city's single ZIP code[6].
The closest tracked neighbours are Safety Harbor (3.3 mi SW), Dunedin (7.6 mi W) and Clearwater (7.7 mi SW)[4].
898 flood-insurance claims have come from Oldsmar-area ZIP codes (34677) since 1979, and $42,872,307 has been paid on them (about $63,798 per paid claim)[1]. 2024 was the worst year, with 494 claims. That is the 7th-fewest of the 14 Tampa Bay–area suburbs we cover; for comparison, Safety Harbor (142), Dunedin (1,654), and Clearwater (3,608). Of the 897 claims rated in a flood zone, 804 were in FEMA's high-risk areas (zones A or V) and 93 outside them (zones B, C or X)[1][7] — flooding here is not only a high-risk-zone problem.
By month of loss, Oldsmar-area flood claims cluster in August (151), September (515), and October (109) — 775 of 898 dated claims[1].
No flood or flash-flood reports fall within 10 miles of central Oldsmar for 2016–2025[5]. Countywide: no flood declarations since 2000[8].
23% of Oldsmar's 6,246 housing units predate 1980[2] — the lowest share of the 14 Tampa Bay–area suburbs we cover (Safety Harbor (29%), Dunedin (61%), and Clearwater (56%)). In newer houses, check fittings, washer hoses and the water-heater pan first — and any builder warranty.
77% of Oldsmar households own their home[2], so most claims and rebuilds here are coordinated by the owner.
Out of the 14 suburbs on this site, Oldsmar has the fewest flood reports nearby (0, tied with Zephyrhills and Brooksville)[5], the lowest pre-1980 housing share (23%)[2], the 3rd-newest housing (by median year built) (1988)[2], and the 3rd-highest median home value ($380,300)[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 Oldsmar
Your request reaches Water damage restoration contractors who serve Oldsmar (ZIP code 34677).
Before you pick up the phone: what a restoration crew does first
Shared walls and ceilings: Oldsmar homes by building type
35%[2] of Oldsmar's homes share walls, floors or ceilings with a neighbour (multi-unit buildings alone: 21%, the 3rd-lowest 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 attached house (townhouse, rowhouse): 917 of 6,246 housing units[2].
Oldsmar also has 482 mobile homes (7.7%); for a leak under one, ask for a crew that works on manufactured homes.
| Building type | Units | Share | Margin of error |
|---|---|---|---|
| Detached house | 3,564 | 57.1% | ±269 |
| Attached house (townhouse, rowhouse) | 917 | 14.7% | ±230 |
| Duplex (2 units) | 121 | 1.9% | ±121 |
| 3–4 units | 393 | 6.3% | ±178 |
| 5–9 units | 238 | 3.8% | ±139 |
| 10–19 units | 219 | 3.5% | ±136 |
| 20–49 units | 229 | 3.7% | ±152 |
| 50 or more units | 83 | 1.3% | ±46 |
| Mobile home | 482 | 7.7% | ±168 |
Margins of error are the Census Bureau’s 90% intervals; small categories in small cities are rough.
Oldsmar by the numbers
| Measure | Oldsmar | Median of 14 | Difference |
|---|---|---|---|
| Flood reports (10 mi) | 0 | 5 | 5 fewer |
| Built before 1980 | 23% | 48% | 24 pts lower |
| NFIP flood claims (area ZIPs) | 898 | 1,188 | 290 fewer |
| Renter-occupied | 23% | 30% | 7 pts lower |
| Median home value | $380,300 | $337,750 | 13% higher |
| Owner-occupied | 77% | 70% | 7 pts higher |
| Median year built | 1988 | 1981 | 7 years newer |
Sorted by largest difference. Each median is 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 |
|---|---|---|---|---|
| Oldsmar | 898 | 0 | 23% | 23% |
| Safety Harbor 3.3 mi | 142 | 1 | 29% | 16% |
| Dunedin 7.6 mi | 1,654 | 2 | 61% | 29% |
| Clearwater 7.7 mi | 3,608 | 2 | 56% | 41% |
| Tarpon Springs 9.6 mi | 1,478 | 5 | 40% | 19% |
| Largo 11.5 mi | 1,562 | 5 | 56% | 38% |
| ZIP | Claims | Paid | Busiest year | Outside high-risk zones |
|---|---|---|---|---|
| 34677 | 898 | $42,872,307 | 2024 (494) | 93 of 897 |
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 | 3 |
| 2024 | 494 |
| 2023 | 27 |
| 2021 | 2 |
| 2020 | 20 |
| 2019 | 3 |
| 2017 | 18 |
| 2016 | 9 |
| 2015 | 10 |
| 2014 | 1 |
| 2013 | 2 |
| Month | Claims |
|---|---|
| January | 5 |
| February | 2 |
| March | 16 |
| April | 7 |
| May | 5 |
| June | 30 |
| July | 26 |
| August | 151 |
| September | 515 |
| October | 109 |
| November | 23 |
| December | 9 |
| ZIP (ZCTA) | Share of Oldsmar's land | Share of the ZIP inside the city |
|---|---|---|
| 34677 | 98% | 70% |
Common Oldsmar water damage questions
Do I need flood insurance in Oldsmar?
Homeowners policies exclude outside floodwater[9], and Oldsmar-area ZIPs have 577 NFIP claims in just the last ten years[1].
Which Oldsmar ZIP codes do these crews cover?
34677[6], in Pinellas County. Nearby pages: Safety Harbor (3.3 mi), Dunedin (7.6 mi), and Clearwater (7.7 mi)[4].
My Oldsmar home is fairly new — could the plumbing fixtures and water heater still be under warranty?
Possibly: 8% of Oldsmar's housing units were built in 2010 or later[2], the 5th-highest share of the 14 Tampa Bay–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
- 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.