Water damage restoration · Zephyrhills, Florida
Water damage restoration in Zephyrhills, FL
Burst pipe, failed water heater, or storm water? Zephyrhills-area ZIPs: 195 flood claims since 1979[1]; 34% of homes built before 1980[2]. Request help from local restoration crews. Zephyrhills, in Pasco County — ZIPs 33542, 33541, 33540, counts 22,447 residents (2025 estimate)[3].
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Zephyrhills at a glance for water damage
- Population (2025 est.)
- 22,447[3]+30.5% since 2020
- County
- Pasco[3]
- Land area
- 9.8 sq mi[4]
- Flood-insurance (NFIP) claims, local ZIPs
- 195 since 1979[1]$7,960,295 paid across 157 claims · ZIP 33542, 33541, 33540
- Flood & flash-flood reports within 10 mi
- 0[5]2016–2025
- Federal disaster declarations incl. flooding, Pasco Co.
- 1[6]of 31 total declarations
- Homes built before 1980
- 34%[2]the 4th-lowest share of the 14 Tampa Bay–area suburbs we cover
- Households renting
- 30%[2]2020–2024
What the local data means for water damage in Zephyrhills
Zephyrhills is one of the fastest-growing Tampa Bay suburbs tracked here: 22,447 people (2025 estimate), up 30.5% since 2020[3]. On the map that's 9.8 square miles holding 2,283 residents per square mile, the 11th densest of the suburbs here; it sits entirely in Pasco County, with ZIP codes 33542, 33541, 33540[4].
Zephyrhills mixes 22% of homes built since 2010 and 34% 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.
3 ZIP codes cover Zephyrhills — 33542 (68% of the city's land), 33541 (17% of the city's land), 33540 (16% of the city's land)[7].
The tracked suburbs closest by are Plant City (16.0 mi S), Temple Terrace (18.2 mi SW) and Brooksville (23.5 mi NW)[4].
195 flood-insurance claims have come from Zephyrhills-area ZIP codes (33542, 33541, 33540) since 1979, and $7,960,295 has been paid on them (about $50,703 per paid claim)[1]. 2024 was the worst year, with 91 claims. That is the 4th-fewest of the 14 Tampa Bay–area suburbs we cover; for comparison, Plant City (339), Temple Terrace (146), and Brooksville (124). Most jobs here start inside the house. Of the 194 claims rated in a flood zone, 141 were in FEMA's high-risk areas (zones A or V) and 53 outside them (zones B, C or X)[1][8] — flooding here is not only a high-risk-zone problem.
By month of loss, Zephyrhills-area flood claims cluster in August (17), September (45), and October (92) — 154 of 195 dated claims[1].
No flood or flash-flood reports fall within 10 miles of central Zephyrhills for 2016–2025[5]. Countywide: 1 flood declaration since 2000, latest Severe Storms and Flooding (DR-1481, 2003)[6].
34% of Zephyrhills's 9,937 housing units predate 1980[2] — the 4th-lowest share of the 14 Tampa Bay–area suburbs we cover (Plant City (33%), Temple Terrace (43%), and Brooksville (44%)). In newer houses, check fittings, washer hoses and the water-heater pan first — and any builder warranty.
70% of Zephyrhills households own their home[2], so most claims and rebuilds here are coordinated by the owner.
Measured against the 14 suburbs on this site, Zephyrhills records the fewest flood reports nearby (0, tied with Oldsmar and Brooksville)[5], the newest housing (by median year built) (1990)[2], and the 3rd-lowest median home value ($224,700)[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.
Get water damage help in Zephyrhills
Your request reaches Water damage restoration contractors who serve Zephyrhills (ZIP codes 33542, 33541, 33540).
Before you call: what a restoration crew does first
Shared walls and ceilings: Zephyrhills homes by building type
With 48%[2] of homes detached, most Zephyrhills 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: 2,661 of 9,937 housing units[2].
Zephyrhills also has 2,661 mobile homes (26.8%); for a leak under one, ask for a crew that works on manufactured homes.
| Building type | Units | Share | Margin of error |
|---|---|---|---|
| Detached house | 4,783 | 48.1% | ±442 |
| Attached house (townhouse, rowhouse) | 598 | 6.0% | ±162 |
| Duplex (2 units) | 428 | 4.3% | ±148 |
| 3–4 units | 246 | 2.5% | ±129 |
| 5–9 units | 270 | 2.7% | ±100 |
| 10–19 units | 223 | 2.2% | ±123 |
| 20–49 units | 191 | 1.9% | ±132 |
| 50 or more units | 411 | 4.1% | ±167 |
| Mobile home | 2,661 | 26.8% | ±384 |
| Boat, RV, van, etc. | 126 | 1.3% | ±59 |
Margins of error are the Census Bureau’s 90% intervals; small categories in small cities are rough.
The Zephyrhills numbers behind this page
| Measure | Zephyrhills | Median of 14 | Difference |
|---|---|---|---|
| Flood reports (10 mi) | 0 | 5 | 5 fewer |
| NFIP flood claims (area ZIPs) | 195 | 1,188 | 993 fewer |
| Median home value | $224,700 | $337,750 | 33% lower |
| Built before 1980 | 34% | 48% | 14 pts lower |
| Renter-occupied | 30% | 30% | 1 pts lower |
| Owner-occupied | 70% | 70% | 1 pts higher |
| Median year built | 1990 | 1981 | 9 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 |
|---|---|---|---|---|
| Zephyrhills | 195 | 0 | 34% | 30% |
| Plant City 16.0 mi | 339 | 6 | 33% | 34% |
| Temple Terrace 18.2 mi | 146 | 10 | 43% | 50% |
| Brooksville 23.5 mi | 124 | 0 | 44% | 37% |
| New Port Richey 32.8 mi | 4,243 | 6 | 51% | 43% |
| Oldsmar 32.8 mi | 898 | 0 | 23% | 23% |
| ZIP | Claims | Paid | Busiest year | Outside high-risk zones |
|---|---|---|---|---|
| 33542 | 103 | $5,514,754 | 2024 (59) | 17 of 103 |
| 33541 | 52 | $924,414 | 2004 (17) | 22 of 51 |
| 33540 | 40 | $1,521,127 | 2024 (18) | 14 of 40 |
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 |
| 2024 | 91 |
| 2023 | 1 |
| 2018 | 1 |
| 2017 | 8 |
| 2016 | 1 |
| 2015 | 1 |
| 2013 | 1 |
| 2010 | 1 |
| 2008 | 4 |
| 2004 | 21 |
| 2003 | 6 |
| Month | Claims |
|---|---|
| January | 5 |
| February | 4 |
| March | 6 |
| April | 1 |
| May | 11 |
| June | 10 |
| August | 17 |
| September | 45 |
| October | 92 |
| November | 1 |
| December | 3 |
| ZIP (ZCTA) | Share of Zephyrhills's land | Share of the ZIP inside the city |
|---|---|---|
| 33542 | 68% | 62% |
| 33541 | 17% | 7% |
| 33540 | 16% | 4% |
water damage questions from Zephyrhills homeowners
Do I need flood insurance in Zephyrhills?
Homeowners policies exclude outside floodwater[9], and Zephyrhills-area ZIPs have 105 NFIP claims in just the last ten years[1].
Which Zephyrhills ZIP codes do these crews cover?
33542, 33541, and 33540[7], in Pasco County. Nearby pages: Plant City (16.0 mi), Temple Terrace (18.2 mi), and Brooksville (23.5 mi)[4].
Which Zephyrhills ZIP code has the most flood claims?
33542, with 103 NFIP claims and $5,514,754 paid[1].
My Zephyrhills home is fairly new — could the plumbing fixtures and water heater still be under warranty?
Possibly: 22% of Zephyrhills's housing units were built in 2010 or later[2], the 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
- OpenFEMA disaster declarations
- Census 2020 ZCTA–place file
- FEMA, Flood Zones (link unverified)
- FEMA FloodSmart (link unverified)
Data pulled Sep 28, 2026. Full citations and method.