Water damage restoration · Lago Vista, Texas
Water damage restoration in Lago Vista, TX
Burst pipe, failed water heater, or storm water? Lago Vista-area ZIPs: 139 flood claims since 1987[1]; 14% of homes built before 1980[2]. Request help from local restoration crews. Lago Vista, in Travis County — ZIP 78645, counts 10,498 residents (2025 estimate)[3].
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The Lago Vista water damage picture in brief
- Population (2025 est.)
- 10,498[3]+18.2% since 2020
- County
- Travis[3]
- Land area
- 14.4 sq mi[4]
- Flood-insurance (NFIP) claims, local ZIPs
- 139 since 1987[1]$2,701,609 paid across 98 claims · ZIP 78645
- Flood & flash-flood reports within 10 mi
- 3[5]2016–2025 · latest Jul 5, 2025
- Winter-storm & freeze days, travis zone
- 22[5]2016–2025; hard freezes burst pipes
- Federal disaster declarations incl. flooding, Travis Co.
- 8[6]of 30 total declarations
- Homes built before 1980
- 14%[2]the 2nd-highest share of the 15 Austin-area suburbs we cover
- Households renting
- 10%[2]2020–2024
What the local data means for water damage in Lago Vista
Lago Vista counts 10,498 residents (2025 estimate), growing at a middle-of-the-pack 18.2% since 2020[3]. The city spans 14.4 square miles at 727 residents per square mile (the 15th densest) and sits entirely in Travis County, served by ZIP code 78645[4].
Lago Vista mixes 34% of homes built since 2010 and 14% 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.
78645 is the city's single ZIP code[7].
The tracked suburbs closest by are Lakeway (6.8 mi S), Bee Cave (10.2 mi S) and Cedar Park (11.0 mi E)[4].
139 flood-insurance claims have come from Lago Vista-area ZIP codes (78645) since 1987, and $2,701,609 has been paid on them (about $27,567 per paid claim)[1]. 2018 was the worst year, with 38 claims. That is the 5th-most of the 15 Austin-area suburbs we cover; for comparison, Lakeway (353), Bee Cave (2), and Cedar Park (61). Outside water is a real part of the picture here. Of the 139 claims rated in a flood zone, 129 were in FEMA's high-risk areas (zones A or V) and 10 outside them (zones B, C or X)[1][8] — flooding here is not only a high-risk-zone problem.
By month of loss, Lago Vista-area flood claims cluster in June (53), October (41), and December (15) — 109 of 139 dated claims[1].
Within 10 miles of central Lago Vista, weather observers filed 3 flood, flash-flood or heavy-rain reports in 2016–2025 (2 flash floods)[5]. Countywide: 8 flood declarations since 2000, latest Severe Storms, Straight-Line Winds, and Flooding (DR-4879, 2025)[6]. Nearby: Lakeway (8), Bee Cave (17), and Cedar Park (27).
14% of Lago Vista's 4,926 housing units predate 1980[2] — the 2nd-highest share of the 15 Austin-area suburbs we cover (Lakeway (14%), Bee Cave (0%), and Cedar Park (6%)). Aging supply lines and valves are the usual hidden-leak suspects in houses that old.
Freeze days in the travis zone: 22 in 2016–2025, latest Feb 22, 2025[5]. Nearby: Lakeway (22), Bee Cave (22), and Cedar Park (23).
90% of Lago Vista households own their home[2], so most claims and rebuilds here are coordinated by the owner.
Among the 15 suburbs tracked here, Lago Vista stands out for the fewest flood reports nearby (3)[5], the lowest renter share (10%)[2], the 2nd-highest pre-1980 housing share (14%)[2], and the 3rd-oldest housing (by median year built) (2004, tied with Pflugerville and Lakeway)[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 Lago Vista
Requests go to Water damage restoration contractors serving the Lago Vista area — ZIP code 78645.
Before you call: what a restoration crew does first
Shared walls and ceilings: Lago Vista homes by building type
With 84%[2] of homes detached, most Lago Vista water-damage jobs stay inside one house — the owner's policy and the owner's call.
After detached houses, the biggest group is attached house (townhouse, rowhouse): 163 of 4,926 housing units[2].
Lago Vista also has 103 mobile homes (2.1%); for a leak under one, ask for a crew that works on manufactured homes.
| Building type | Units | Share | Margin of error |
|---|---|---|---|
| Detached house | 4,161 | 84.5% | ±413 |
| Attached house (townhouse, rowhouse) | 163 | 3.3% | ±125 |
| Duplex (2 units) | 125 | 2.5% | ±100 |
| 3–4 units | 147 | 3.0% | ±206 |
| 5–9 units | 76 | 1.5% | ±80 |
| 20–49 units | 77 | 1.6% | ±70 |
| 50 or more units | 74 | 1.5% | ±62 |
| Mobile home | 103 | 2.1% | ±59 |
Margins of error are the Census Bureau’s 90% intervals; small categories in small cities are rough.
The data underneath this Lago Vista page
| Measure | Lago Vista | Median of 15 | Difference |
|---|---|---|---|
| Built before 1980 | 14% | 4% | 10 pts higher |
| NFIP flood claims (area ZIPs) | 139 | 67 | 72 more |
| Flood reports (10 mi) | 3 | 17 | 14 fewer |
| Renter-occupied | 10% | 31% | 20 pts lower |
| Owner-occupied | 90% | 69% | 20 pts higher |
| Median year built | 2004 | 2010 | 6 years older |
| Median home value | $420,000 | $420,000 | 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 | Freeze days | Built before 1980 | Renting |
|---|---|---|---|---|---|
| Lago Vista | 139 | 3 | 22 | 14% | 10% |
| Lakeway 6.8 mi | 353 | 8 | 22 | 14% | 14% |
| Bee Cave 10.2 mi | 2 | 17 | 22 | 0% | 51% |
| Cedar Park 11.0 mi | 61 | 27 | 23 | 6% | 33% |
| Leander 11.4 mi | 104 | 20 | 23 | 3% | 27% |
| Liberty Hill 15.4 mi | 38 | 17 | 23 | 6% | 39% |
| ZIP | Claims | Paid | Busiest year | Outside high-risk zones |
|---|---|---|---|---|
| 78645 | 139 | $2,701,609 | 2018 (38) | 10 of 139 |
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 | 1 |
| 2025 | 1 |
| 2019 | 1 |
| 2018 | 38 |
| 2017 | 2 |
| 2012 | 1 |
| 2010 | 2 |
| 2007 | 28 |
| 2006 | 2 |
| 2004 | 5 |
| 2002 | 4 |
| 2001 | 2 |
| Month | Claims |
|---|---|
| February | 4 |
| March | 2 |
| April | 1 |
| May | 1 |
| June | 53 |
| July | 12 |
| August | 1 |
| September | 2 |
| October | 41 |
| November | 7 |
| December | 15 |
| Date | Type | Distance |
|---|---|---|
| Jul 5, 2025 | Flash Flood | 5.4 mi |
| Jul 5, 2025 | Flash Flood | 6.2 mi |
| Oct 16, 2018 | Flood | 7.5 mi |
| ZIP (ZCTA) | Share of Lago Vista's land | Share of the ZIP inside the city |
|---|---|---|
| 78645 | 100% | 44% |
water damage questions from Lago Vista homeowners
Do I need flood insurance in Lago Vista?
Homeowners policies exclude outside floodwater[9], and Lago Vista-area ZIPs have 43 NFIP claims in just the last ten years[1].
Which Lago Vista ZIP codes do these crews cover?
78645[7], in Travis County. Nearby pages: Lakeway (6.8 mi), Bee Cave (10.2 mi), and Cedar Park (11.0 mi)[4].
When was the last flood report near Lago Vista?
Jul 5, 2025: a flash flood report 5.4 miles from the city center[5].
A lot of Lago Vista homes predate 1980 — what does that mean for plumbing fixtures and water heater work?
14% of Lago Vista's housing units were built before 1980, 2.1% before 1960[2] — the 2nd-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.