Water damage restoration · Hutto, Texas
Water damage restoration in Hutto, TX
Burst pipe, failed water heater, or storm water? Hutto-area ZIPs: 17 flood claims since 1992[1]; 3% of homes built before 1980[2]. Request help from local restoration crews. Hutto, in Williamson County — ZIP 78634, counts 46,048 residents (2025 estimate)[3].
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Hutto at a glance for water damage
- Population (2025 est.)
- 46,048[3]+66.9% since 2020
- County
- Williamson[3]
- Land area
- 14.9 sq mi[4]
- Flood-insurance (NFIP) claims, local ZIPs
- 17 since 1992[1]$1,041,233 paid across 10 claims · ZIP 78634
- Flood & flash-flood reports within 10 mi
- 16[5]2016–2025 · latest May 1, 2021
- 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
- 3%[2]the 4th-lowest share of the 15 Austin-area suburbs we cover
- Households renting
- 20%[2]2020–2024
What the local data means for water damage in Hutto
Hutto is one of the fastest-growing Austin-metro suburbs tracked here: 46,048 people (2025 estimate), up 66.9% since 2020[3]. On the map that's 14.9 square miles holding 3,084 residents per square mile, the 3rd densest of the suburbs here; it sits entirely in Williamson County, with ZIP code 78634[4].
Hutto mixes 51% of homes built since 2010 and 3% 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.
One ZIP code covers the whole city: 78634[7].
The tracked suburbs closest by are Round Rock (7.2 mi W), Pflugerville (7.3 mi SW) and Georgetown (12.8 mi NW)[4].
17 flood-insurance claims have come from Hutto-area ZIP codes (78634) since 1992, and $1,041,233 has been paid on them (about $104,123 per paid claim)[1]. 2015 was the worst year, with 8 claims. That is the 3rd-fewest of the 15 Austin-area suburbs we cover; for comparison, Round Rock (310), Pflugerville (49), and Georgetown (128). Most jobs here start inside the house. Of the 17 claims rated in a flood zone, 13 were in FEMA's high-risk areas (zones A or V) and 4 outside them (zones B, C or X)[1][8] — flooding here is not only a high-risk-zone problem.
By month of loss, Hutto-area flood claims cluster in May (9), September (3), and November (2) — 14 of 17 dated claims[1].
Within 10 miles of central Hutto, weather observers filed 16 flood, flash-flood or heavy-rain reports in 2016–2025 (15 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), Pflugerville (20), and Georgetown (10).
3% of Hutto's 12,151 housing units predate 1980[2] — the 4th-lowest share of the 15 Austin-area suburbs we cover (Round Rock (11%), Pflugerville (4%), and Georgetown (9%)). In newer houses, check fittings, washer hoses and the water-heater pan first — and any builder warranty.
Freeze days in the williamson zone: 23 in 2016–2025, latest Feb 22, 2025[5]. Nearby: Round Rock (23), Pflugerville (22), and Georgetown (23).
80% of Hutto households own their home[2], so most claims and rebuilds here are coordinated by the owner.
Measured against the 15 suburbs on this site, Hutto records the 3rd-fewest NFIP flood claims (17)[1] and the 3rd-lowest renter share (20%)[2].
How a leak spreads inside a wall
Leaked water spreads outward and wicks up drywall the longer it runs.
water damage help in Hutto: what to do next
Requests go to Water damage restoration contractors serving the Hutto area — ZIP code 78634.
Before you pick up the phone: what a restoration crew does first
Shared walls and ceilings: Hutto homes by building type
With 93%[2] of homes detached, most Hutto water-damage jobs stay inside one house — the owner's policy and the owner's call.
After detached houses, the biggest group is 20–49 units: 366 of 12,151 housing units[2].
| Building type | Units | Share | Margin of error |
|---|---|---|---|
| Detached house | 11,275 | 92.8% | ±651 |
| Attached house (townhouse, rowhouse) | 94 | 0.8% | ±90 |
| 10–19 units | 173 | 1.4% | ±158 |
| 20–49 units | 366 | 3.0% | ±167 |
| 50 or more units | 163 | 1.3% | ±133 |
| Mobile home | 80 | 0.7% | ±93 |
Margins of error are the Census Bureau’s 90% intervals; small categories in small cities are rough.
The data underneath this Hutto page
| Measure | Hutto | Median of 15 | Difference |
|---|---|---|---|
| NFIP flood claims (area ZIPs) | 17 | 67 | 50 fewer |
| Renter-occupied | 20% | 31% | 10 pts lower |
| Built before 1980 | 3% | 4% | 1 pts lower |
| Owner-occupied | 80% | 69% | 10 pts higher |
| Median home value | $365,700 | $420,000 | 13% lower |
| Flood reports (10 mi) | 16 | 17 | 1 fewer |
| Median year built | 2010 | 2010 | same as median |
Largest differences first. Medians are the middle value across the covered Austin-area suburbs, from the same sources.
| City | NFIP claims | Flood reports ≤10 mi | Freeze days | Built before 1980 | Renting |
|---|---|---|---|---|---|
| Hutto | 17 | 16 | 23 | 3% | 20% |
| Round Rock 7.2 mi | 310 | 20 | 23 | 11% | 44% |
| Pflugerville 7.3 mi | 49 | 20 | 22 | 4% | 30% |
| Georgetown 12.8 mi | 128 | 10 | 23 | 9% | 31% |
| Manor 12.9 mi | 8 | 13 | 22 | 2% | 25% |
| Cedar Park 16.5 mi | 61 | 27 | 23 | 6% | 33% |
| ZIP | Claims | Paid | Busiest year | Outside high-risk zones |
|---|---|---|---|---|
| 78634 | 17 | $1,041,233 | 2015 (8) | 4 of 17 |
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 | 1 |
| 2018 | 1 |
| 2015 | 8 |
| 2013 | 1 |
| 2010 | 2 |
| 2001 | 2 |
| 1992 | 1 |
| Month | Claims |
|---|---|
| January | 1 |
| May | 9 |
| July | 1 |
| September | 3 |
| October | 1 |
| November | 2 |
| Date | Type | Distance |
|---|---|---|
| May 1, 2021 | Flash Flood | 7.0 mi |
| Jun 23, 2020 | Flood | 6.4 mi |
| Apr 6, 2019 | Flash Flood | 9.7 mi |
| Apr 6, 2019 | Flash Flood | 8.7 mi |
| Apr 6, 2019 | Flash Flood | 2.3 mi |
| Apr 6, 2019 | Flash Flood | 1.0 mi |
| Dec 27, 2018 | Flash Flood | 8.4 mi |
| Sep 22, 2018 | Flash Flood | 9.9 mi |
| ZIP (ZCTA) | Share of Hutto's land | Share of the ZIP inside the city |
|---|---|---|
| 78634 | 100% | 22% |
Hutto water damage questions
Do I need flood insurance in Hutto?
Homeowners policies exclude outside floodwater[9], and Hutto-area ZIPs have 3 NFIP claims in just the last ten years[1].
Which Hutto ZIP codes do these crews cover?
78634[7], in Williamson County. Nearby pages: Round Rock (7.2 mi), Pflugerville (7.3 mi), and Georgetown (12.8 mi)[4].
When was the last flood report near Hutto?
May 1, 2021: a flash flood report 7.0 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
- 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.