Water damage restoration · Georgetown, Texas
Water damage restoration in Georgetown, TX
Burst pipe, failed water heater, or storm water? Georgetown-area ZIPs: 128 flood claims since 1980[1]; 9% of homes built before 1980[2]. Request help from local restoration crews. Georgetown, in Williamson County — ZIPs 78626, 78628, 78633, counts 106,907 residents (2025 estimate)[3].
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Georgetown water damage snapshot: the key figures
- Population (2025 est.)
- 106,907[3]+58.5% since 2020
- County
- Williamson[3]
- Land area
- 58.9 sq mi[4]
- Flood-insurance (NFIP) claims, local ZIPs
- 128 since 1980[1]$4,954,285 paid across 92 claims · ZIP 78626, 78628, 78633
- Flood & flash-flood reports within 10 mi
- 10[5]2016–2025 · latest Jul 5, 2025
- Winter-storm & freeze days, williamson zone
- 23[5]2016–2025; hard freezes burst pipes
- Federal disaster declarations incl. flooding, Williamson Co.
- 3[6]of 20 total declarations
- Homes built before 1980
- 9%[2]the 5th-highest share of the 15 Austin-area suburbs we cover
- Households renting
- 31%[2]2020–2024
What the local data means for water damage in Georgetown
Georgetown is one of the fastest-growing Austin-metro suburbs tracked here: 106,907 people (2025 estimate), up 58.5% since 2020[3]. On the map that's 58.9 square miles holding 1,814 residents per square mile, the 10th densest of the suburbs here; it sits entirely in Williamson County, with ZIP codes 78626, 78628, 78633[4].
Georgetown mixes 45% of homes built since 2010 and 9% 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 Georgetown goes through 3 ZIP codes — 78626 (36% of the city's land), 78628 (34% of the city's land), 78633 (31% of the city's land)[7].
Nearest of the other suburbs we track: Round Rock (10.0 mi S), Leander (11.7 mi SW) and Liberty Hill (12.3 mi W)[4].
128 flood-insurance claims have come from Georgetown-area ZIP codes (78626, 78628, 78633) since 1980, and $4,954,285 has been paid on them (about $53,851 per paid claim)[1]. 2010 was the worst year, with 76 claims. That is the 6th-most of the 15 Austin-area suburbs we cover; for comparison, Round Rock (310), Leander (104), and Liberty Hill (38). Of the 125 claims rated in a flood zone, 62 were in FEMA's high-risk areas (zones A or V) and 63 outside them (zones B, C or X)[1][8] — flooding here is not only a high-risk-zone problem.
By month of loss, Georgetown-area flood claims cluster in May (8), July (9), and September (83) — 100 of 128 dated claims[1].
Within 10 miles of central Georgetown, weather observers filed 10 flood, flash-flood or heavy-rain reports in 2016–2025 (10 flash floods)[5]. Countywide: 3 flood declarations since 2000, latest Severe Storms, Straight-Line Winds, and Flooding (DR-4879, 2025)[6]. Nearby: Round Rock (20), Leander (20), and Liberty Hill (17).
9% of Georgetown's 37,206 housing units predate 1980[2] — the 5th-highest share of the 15 Austin-area suburbs we cover (Round Rock (11%), Leander (3%), and Liberty Hill (6%)). Aging supply lines and valves are the usual hidden-leak suspects in houses that old.
69% of Georgetown households own their home[2], so most claims and rebuilds here are coordinated by the owner.
How a leak spreads inside a wall
Leaked water spreads outward and wicks up drywall the longer it runs.
Get water damage help in Georgetown
Water damage restoration contractors taking requests around Georgetown cover ZIP codes 78626, 78628, 78633.
Before you pick up the phone: what a restoration crew does first
Shared walls and ceilings: Georgetown homes by building type
With 73%[2] of homes detached, most Georgetown water-damage jobs stay inside one house — the owner's policy and the owner's call.
After detached houses, the biggest group is 50 or more units: 2,675 of 37,206 housing units[2].
| Building type | Units | Share | Margin of error |
|---|---|---|---|
| Detached house | 27,335 | 73.5% | ±770 |
| Attached house (townhouse, rowhouse) | 1,367 | 3.7% | ±269 |
| Duplex (2 units) | 1,075 | 2.9% | ±315 |
| 3–4 units | 1,312 | 3.5% | ±304 |
| 5–9 units | 960 | 2.6% | ±250 |
| 10–19 units | 1,151 | 3.1% | ±229 |
| 20–49 units | 1,054 | 2.8% | ±246 |
| 50 or more units | 2,675 | 7.2% | ±463 |
| Mobile home | 277 | 0.7% | ±108 |
Margins of error are the Census Bureau’s 90% intervals; small categories in small cities are rough.
Georgetown by the numbers
| Measure | Georgetown | Median of 15 | Difference |
|---|---|---|---|
| Built before 1980 | 9% | 4% | 5 pts higher |
| NFIP flood claims (area ZIPs) | 128 | 67 | 61 more |
| Flood reports (10 mi) | 10 | 17 | 7 fewer |
| Median home value | $429,100 | $420,000 | 2% higher |
| Median year built | 2008 | 2010 | 2 years older |
| Renter-occupied | 31% | 31% | same as median |
| Owner-occupied | 69% | 69% | same as median |
Sorted by largest difference. Each median is the middle value across the covered Austin-area suburbs, from the same sources.
| City | NFIP claims | Flood reports ≤10 mi | Built before 1980 | Renting |
|---|---|---|---|---|
| Georgetown | 128 | 10 | 9% | 31% |
| Round Rock 10.0 mi | 310 | 20 | 11% | 44% |
| Leander 11.7 mi | 104 | 20 | 3% | 27% |
| Liberty Hill 12.3 mi | 38 | 17 | 6% | 39% |
| Hutto 12.8 mi | 17 | 16 | 3% | 20% |
| Cedar Park 13.0 mi | 61 | 27 | 6% | 33% |
| ZIP | Claims | Paid | Busiest year | Outside high-risk zones |
|---|---|---|---|---|
| 78626 | 56 | $2,670,665 | 2010 (28) | 23 of 55 |
| 78628 | 48 | $1,573,156 | 2010 (31) | 19 of 47 |
| 78633 | 24 | $710,464 | 2010 (17) | 21 of 23 |
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 | 2 |
| 2025 | 10 |
| 2023 | 1 |
| 2021 | 1 |
| 2018 | 1 |
| 2016 | 3 |
| 2015 | 2 |
| 2013 | 1 |
| 2012 | 1 |
| 2010 | 76 |
| 2009 | 2 |
| 2008 | 3 |
| Month | Claims |
|---|---|
| February | 2 |
| March | 2 |
| April | 5 |
| May | 8 |
| June | 8 |
| July | 9 |
| August | 2 |
| September | 83 |
| October | 6 |
| November | 2 |
| December | 1 |
| Date | Type | Distance |
|---|---|---|
| Jul 5, 2025 | Flash Flood | 9.9 mi |
| Jul 5, 2025 | Flash Flood | 9.0 mi |
| Jul 5, 2025 | Flash Flood | 6.8 mi |
| Sep 22, 2018 | Flash Flood | 7.8 mi |
| Aug 26, 2017 | Flash Flood | 7.9 mi |
| Aug 20, 2016 | Flash Flood | 9.6 mi |
| Aug 16, 2016 | Flash Flood | 9.0 mi |
| Jun 2, 2016 | Flash Flood | 1.4 mi |
| ZIP (ZCTA) | Share of Georgetown's land | Share of the ZIP inside the city |
|---|---|---|
| 78626 | 36% | 23% |
| 78628 | 34% | 30% |
| 78633 | 31% | 22% |
water damage questions from Georgetown homeowners
Do I need flood insurance in Georgetown?
Homeowners policies exclude outside floodwater[9], and Georgetown-area ZIPs have 18 NFIP claims in just the last ten years[1].
Which Georgetown ZIP codes do these crews cover?
78626, 78628, and 78633[7], in Williamson County. Nearby pages: Round Rock (10.0 mi), Leander (11.7 mi), and Liberty Hill (12.3 mi)[4].
Which Georgetown ZIP code has the most flood claims?
78626, with 56 NFIP claims and $2,670,665 paid[1].
When was the last flood report near Georgetown?
Jul 5, 2025: a flash flood report 9.9 miles from the city center[5].
A lot of Georgetown homes predate 1980 — what does that mean for plumbing fixtures and water heater work?
9% of Georgetown's housing units were built before 1980, 3.1% before 1960[2] — the 5th-highest share of the 15 Austin-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.
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.