Water damage restoration · Temple Terrace, Florida
Water damage restoration in Temple Terrace, FL
Burst pipe, failed water heater, or storm water? Temple Terrace-area ZIPs: 146 flood claims since 1978[1]; 43% of homes built before 1980[2]. Request help from local restoration crews. Temple Terrace, in Hillsborough County — ZIPs 33617, 33637, counts 27,075 residents (2025 estimate)[3].
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Temple Terrace water damage snapshot: the key figures
- Population (2025 est.)
- 27,075[3]+1.4% since 2020
- County
- Hillsborough[3]
- Land area
- 7.6 sq mi[4]
- Flood-insurance (NFIP) claims, local ZIPs
- 146 since 1978[1]$1,519,559 paid across 83 claims · ZIP 33617, 33637
- Flood & flash-flood reports within 10 mi
- 10[5]2016–2025 · latest Jun 11, 2025
- Homes built before 1980
- 43%[2]the 6th-lowest share of the 14 Tampa Bay–area suburbs we cover
- Households renting
- 50%[2]2020–2024
Reading the Temple Terrace data for water damage
Temple Terrace counts 27,075 residents (2025 estimate), growing at a middle-of-the-pack 1.4% since 2020[3]. On the map that's 7.6 square miles holding 3,578 residents per square mile, the 6th densest of the suburbs here; it sits entirely in Hillsborough County, with ZIP codes 33617, 33637[4].
Temple Terrace mixes 5% of homes built since 2010 and 43% 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.
Temple Terrace is split across 2 ZIP codes: 33617 (59% of the city's land), 33637 (41% of the city's land)[6].
The tracked suburbs closest by are Plant City (15.9 mi E), Oldsmar (18.0 mi W) and Zephyrhills (18.2 mi NE)[4].
146 flood-insurance claims have come from Temple Terrace-area ZIP codes (33617, 33637) since 1978, and $1,519,559 has been paid on them (about $18,308 per paid claim)[1]. 1982 was the worst year, with 26 claims. That is the 3rd-fewest of the 14 Tampa Bay–area suburbs we cover; for comparison, Plant City (339), Oldsmar (898), and Zephyrhills (195). Most jobs here start inside the house. Of the 141 claims rated in a flood zone, 35 were in FEMA's high-risk areas (zones A or V) and 106 outside them (zones B, C or X)[1][7] — flooding here is not only a high-risk-zone problem.
By month of loss, Temple Terrace-area flood claims cluster in May (18), August (17), and September (43) — 78 of 146 dated claims[1].
Within 10 miles of central Temple Terrace, weather observers filed 10 flood, flash-flood or heavy-rain reports in 2016–2025[5]. Countywide: no flood declarations since 2000[8]. Nearby: Plant City (6), Oldsmar (0), and Zephyrhills (0).
43% of Temple Terrace's 12,079 housing units predate 1980[2] — the 6th-lowest share of the 14 Tampa Bay–area suburbs we cover (Plant City (33%), Oldsmar (23%), and Zephyrhills (34%)). Expect a mix of original and replaced plumbing.
50% of Temple Terrace households rent[2]: tenants should report leaks to the landlord in writing, with photos.
Measured against the 14 suburbs on this site, Temple Terrace records the most flood reports nearby (10)[5], the highest renter share (50%)[2], and the 3rd-fewest NFIP flood claims (146)[1].
How a leak spreads inside a wall
Give a leak time and it travels — outward across the floor, upward into drywall by capillary action.
Temple Terrace storm calendar
Within 10 miles of Temple Terrace, 2016–2025: 9 flood reports and 1 heavy-rain report[5]. Peak: 90% in June, July, and September. Busiest year 2020 (4); 5 of 10 years had none. Busiest month June 2020 (4). Latest: flood report, Jun 11, 2025, 6.7 mi out.
| Month | Flash flood | Flood | Heavy rain | All |
|---|---|---|---|---|
| Jun | – | 6 | – | 6 |
| Jul | – | 2 | – | 2 |
| Sep | – | 1 | – | 1 |
| Dec | – | – | 1 | 1 |
water damage help in Temple Terrace: what to do next
Requests go to Water damage restoration contractors serving the Temple Terrace area — ZIP codes 33617, 33637.
Before you pick up the phone: what a restoration crew does first
Shared walls and ceilings: Temple Terrace homes by building type
57%[2] of Temple Terrace's homes share walls, floors or ceilings with a neighbour (multi-unit buildings alone: 47%, the 2nd-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 5–9 units: 1,534 of 12,079 housing units[2].
| Building type | Units | Share | Margin of error |
|---|---|---|---|
| Detached house | 5,081 | 42.1% | ±385 |
| Attached house (townhouse, rowhouse) | 1,163 | 9.6% | ±261 |
| Duplex (2 units) | 88 | 0.7% | ±102 |
| 3–4 units | 1,063 | 8.8% | ±363 |
| 5–9 units | 1,534 | 12.7% | ±384 |
| 10–19 units | 1,108 | 9.2% | ±343 |
| 20–49 units | 1,050 | 8.7% | ±401 |
| 50 or more units | 867 | 7.2% | ±220 |
| Mobile home | 125 | 1.0% | ±144 |
Margins of error are the Census Bureau’s 90% intervals; small categories in small cities are rough.
The data underneath this Temple Terrace page
| Measure | Temple Terrace | Median of 14 | Difference |
|---|---|---|---|
| Flood reports (10 mi) | 10 | 5 | 5 more |
| NFIP flood claims (area ZIPs) | 146 | 1,188 | 1,042 fewer |
| Renter-occupied | 50% | 30% | 19 pts higher |
| Owner-occupied | 50% | 70% | 19 pts lower |
| Built before 1980 | 43% | 48% | 4 pts lower |
| Median home value | $334,800 | $337,750 | 1% lower |
| Median year built | 1982 | 1981 | 1 year 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 |
|---|---|---|---|---|
| Temple Terrace | 146 | 10 | 43% | 50% |
| Plant City 15.9 mi | 339 | 6 | 33% | 34% |
| Oldsmar 18.0 mi | 898 | 0 | 23% | 23% |
| Zephyrhills 18.2 mi | 195 | 0 | 34% | 30% |
| Safety Harbor 19.8 mi | 142 | 1 | 29% | 16% |
| Pinellas Park 23.9 mi | 1,567 | 8 | 57% | 31% |
| ZIP | Claims | Paid | Busiest year | Outside high-risk zones |
|---|---|---|---|---|
| 33617 | 135 | $1,166,579 | 1982 (24) | 99 of 131 |
| 33637 | 11 | $352,980 | 2024 (5) | 7 of 10 |
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 |
|---|---|
| 2024 | 10 |
| 2020 | 2 |
| 2018 | 1 |
| 2017 | 5 |
| 2016 | 4 |
| 2015 | 5 |
| 2014 | 11 |
| 2012 | 1 |
| 2009 | 3 |
| 2004 | 4 |
| 2003 | 3 |
| 2002 | 3 |
| Month | Claims |
|---|---|
| February | 4 |
| March | 6 |
| April | 2 |
| May | 18 |
| June | 16 |
| July | 8 |
| August | 17 |
| September | 43 |
| October | 14 |
| November | 1 |
| December | 17 |
| Date | Type | Distance |
|---|---|---|
| Jun 11, 2025 | Flood | 5.4 mi |
| Jun 11, 2025 | Flood | 6.7 mi |
| Jul 12, 2024 | Flood | 10.0 mi |
| Dec 15, 2022 | Heavy Rain | 3.8 mi |
| Jul 16, 2022 | Flood | 9.2 mi |
| Jun 14, 2020 | Flood | 9.0 mi |
| Jun 14, 2020 | Flood | 8.2 mi |
| Jun 14, 2020 | Flood | 7.9 mi |
| ZIP (ZCTA) | Share of Temple Terrace's land | Share of the ZIP inside the city |
|---|---|---|
| 33617 | 59% | 49% |
| 33637 | 41% | 38% |
Temple Terrace water damage questions
Do I need flood insurance in Temple Terrace?
Homeowners policies exclude outside floodwater[9], and Temple Terrace-area ZIPs have 22 NFIP claims in just the last ten years[1].
Which Temple Terrace ZIP codes do these crews cover?
33617 and 33637[6], in Hillsborough County. Nearby pages: Plant City (15.9 mi), Oldsmar (18.0 mi), and Zephyrhills (18.2 mi)[4].
Which Temple Terrace ZIP code has the most flood claims?
33617, with 135 NFIP claims and $1,166,579 paid[1].
When was the last flood report near Temple Terrace?
Jun 11, 2025: a flood report 5.4 miles from the city center[5].
I rent in Temple Terrace. Who arranges the repair?
50% of occupied Temple Terrace homes are rented[2], the 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.