Water damage restoration · Tarpon Springs, Florida
Water damage restoration in Tarpon Springs, FL
Burst pipe, failed water heater, or storm water? Tarpon Springs-area ZIPs: 1,478 flood claims since 1978[1]; 40% of homes built before 1980[2]. Request help from local restoration crews. Tarpon Springs, in Pinellas County — ZIP 34689, counts 25,602 residents (2025 estimate)[3].
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Tarpon Springs at a glance for water damage
- Population (2025 est.)
- 25,602[3]+2.0% since 2020
- County
- Pinellas[3]
- Land area
- 9.3 sq mi[4]
- Flood-insurance (NFIP) claims, local ZIPs
- 1,478 since 1978[1]$59,881,893 paid across 1,161 claims · ZIP 34689
- Flood & flash-flood reports within 10 mi
- 5[5]2016–2025 · latest Aug 8, 2025
- Homes built before 1980
- 40%[2]the 5th-lowest share of the 14 Tampa Bay–area suburbs we cover
- Households renting
- 19%[2]2020–2024
Reading the Tarpon Springs data for water damage
Tarpon Springs is one of the fastest-growing Tampa Bay suburbs tracked here: 25,602 people (2025 estimate), up 2.0% since 2020[3]. It covers 9.3 square miles (2,765 residents per square mile, the 10th densest), sits entirely in Pinellas County, in ZIP code 34689[4].
Tarpon Springs mixes 7% of homes built since 2010 and 40% 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.
34689 is the city's single ZIP code[6].
Nearest of the other suburbs we track: New Port Richey (7.7 mi NE), Dunedin (7.7 mi S) and Oldsmar (9.6 mi SE)[4].
1,478 flood-insurance claims have come from Tarpon Springs-area ZIP codes (34689) since 1978, and $59,881,893 has been paid on them (about $51,578 per paid claim)[1]. 2024 was the worst year, with 746 claims. That is the 7th-most of the 14 Tampa Bay–area suburbs we cover; for comparison, New Port Richey (4,243), Dunedin (1,654), and Oldsmar (898). Of the 1,478 claims rated in a flood zone, 1,378 were in FEMA's high-risk areas (zones A or V) and 100 outside them (zones B, C or X)[1][7] — flooding here is not only a high-risk-zone problem.
By month of loss, Tarpon Springs-area flood claims cluster in March (243), August (164), and September (788) — 1,195 of 1,478 dated claims[1].
Within 10 miles of central Tarpon Springs, weather observers filed 5 flood, flash-flood or heavy-rain reports in 2016–2025[5]. Countywide: no flood declarations since 2000[8]. Nearby: New Port Richey (6), Dunedin (2), and Oldsmar (0).
40% of Tarpon Springs's 13,421 housing units predate 1980[2] — the 5th-lowest share of the 14 Tampa Bay–area suburbs we cover (New Port Richey (51%), Dunedin (61%), and Oldsmar (23%)). In newer houses, check fittings, washer hoses and the water-heater pan first — and any builder warranty.
81% of Tarpon Springs households own their home[2], so most claims and rebuilds here are coordinated by the owner.
Out of the 14 suburbs on this site, Tarpon Springs has the 2nd-lowest renter share (19%)[2].
How a leak spreads inside a wall
Leaked water spreads outward and wicks up drywall the longer it runs.
Finding water damage help around Tarpon Springs
Requests go to Water damage restoration contractors serving the Tarpon Springs area — ZIP code 34689.
Before you pick up the phone: what a restoration crew does first
Shared walls and ceilings: Tarpon Springs homes by building type
With 58%[2] of homes detached, most Tarpon Springs water-damage jobs stay inside one house — the owner's policy and the owner's call.
After detached houses, the biggest group is mobile home: 1,363 of 13,421 housing units[2].
Tarpon Springs also has 1,363 mobile homes (10.2%); for a leak under one, ask for a crew that works on manufactured homes.
| Building type | Units | Share | Margin of error |
|---|---|---|---|
| Detached house | 7,754 | 57.8% | ±596 |
| Attached house (townhouse, rowhouse) | 1,227 | 9.1% | ±296 |
| Duplex (2 units) | 383 | 2.9% | ±181 |
| 3–4 units | 473 | 3.5% | ±239 |
| 5–9 units | 589 | 4.4% | ±193 |
| 10–19 units | 542 | 4.0% | ±197 |
| 20–49 units | 751 | 5.6% | ±331 |
| 50 or more units | 308 | 2.3% | ±162 |
| Mobile home | 1,363 | 10.2% | ±319 |
| Boat, RV, van, etc. | 31 | 0.2% | ±51 |
Margins of error are the Census Bureau’s 90% intervals; small categories in small cities are rough.
The Tarpon Springs numbers behind this page
| Measure | Tarpon Springs | Median of 14 | Difference |
|---|---|---|---|
| Renter-occupied | 19% | 30% | 12 pts lower |
| NFIP flood claims (area ZIPs) | 1,478 | 1,188 | 290 more |
| Built before 1980 | 40% | 48% | 8 pts lower |
| Owner-occupied | 81% | 70% | 12 pts higher |
| Median home value | $340,700 | $337,750 | 1% higher |
| Median year built | 1984 | 1981 | 3 years newer |
| 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 |
|---|---|---|---|---|
| Tarpon Springs | 1,478 | 5 | 40% | 19% |
| New Port Richey 7.7 mi | 4,243 | 6 | 51% | 43% |
| Dunedin 7.7 mi | 1,654 | 2 | 61% | 29% |
| Oldsmar 9.6 mi | 898 | 0 | 23% | 23% |
| Safety Harbor 11.0 mi | 142 | 1 | 29% | 16% |
| Clearwater 11.7 mi | 3,608 | 2 | 56% | 41% |
| ZIP | Claims | Paid | Busiest year | Outside high-risk zones |
|---|---|---|---|---|
| 34689 | 1,478 | $59,881,893 | 2024 (746) | 100 of 1,478 |
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 | 1 |
| 2024 | 746 |
| 2023 | 97 |
| 2022 | 1 |
| 2021 | 2 |
| 2020 | 1 |
| 2019 | 2 |
| 2017 | 18 |
| 2016 | 22 |
| 2015 | 13 |
| 2014 | 1 |
| 2013 | 6 |
| Month | Claims |
|---|---|
| January | 32 |
| March | 243 |
| April | 5 |
| May | 6 |
| June | 65 |
| July | 25 |
| August | 164 |
| September | 788 |
| October | 140 |
| November | 1 |
| December | 9 |
| Date | Type | Distance |
|---|---|---|
| Aug 8, 2025 | Flood | 6.9 mi |
| Apr 11, 2024 | Flood | 7.9 mi |
| Sep 11, 2017 | Flood | 6.5 mi |
| Sep 3, 2016 | Flood | 5.8 mi |
| Sep 1, 2016 | Flood | 7.6 mi |
| ZIP (ZCTA) | Share of Tarpon Springs's land | Share of the ZIP inside the city |
|---|---|---|
| 34689 | 95% | 82% |
Tarpon Springs water damage questions
Do I need flood insurance in Tarpon Springs?
Homeowners policies exclude outside floodwater[9], and Tarpon Springs-area ZIPs have 890 NFIP claims in just the last ten years[1].
Which Tarpon Springs ZIP codes do these crews cover?
34689[6], in Pinellas County. Nearby pages: New Port Richey (7.7 mi), Dunedin (7.7 mi), and Oldsmar (9.6 mi)[4].
When was the last flood report near Tarpon Springs?
Aug 8, 2025: a flood report 6.9 miles from the city center[5].
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.