Water damage repair and restoration in St. Cloud, MN
Water damage in St. Cloud, MN usually starts in one of a few places: a failed supply line or water heater, a roof or window leak, or water that gets into a basement or crawl space. St. Cloud has 29,575 homes with a median build year of 1980: 23% predate 1960 and 25% were built since 2000, so plumbing ranges from original copper and galvanized lines to newer PEX. Restoration companies in our network serve 8 St. Cloud ZIP codes in Stearns County.
Quick answer
For water, fire or smoke damage in St. Cloud, MN, shut off the water or power if it's safe, then call (833) 462-1975. We connect you with an independent restoration company that serves your ZIP; 8 St. Cloud ZIP codes are covered. Drying should start within 24 to 48 hours to prevent mold.
Census data
St. Cloud homes by the numbers
- Homes
- 29,575
- Median year built
- 1980
- Built before 1960
- 23%
- Owner-occupied
- 49%
Among the 15 Minnesota cities with pages on this site, St. Cloud ranks #4 by number of homes and has older housing than 79% of them (median build year 1980). Its share of pre-1960 homes (23%) is close to the 20% average for those cities.
Source: U.S. Census Bureau, American Community Survey 2019–2023 5-year estimates (tables B25034, B25035, B25003); 72,145 residents per the 2024 population estimate.
Local risks
What causes water damage in St. Cloud
Pipes from every era
With a median build year of 1980, St. Cloud has everything from galvanized and copper lines to PEX. Older homes see pipe and drain failures; newer ones see more appliance and fitting leaks.
Leaks between units
About 51% of occupied homes in St. Cloud are rented, and many are apartments or condos. A leak in one unit often reaches the units below, so landlords, associations and each tenant's insurer are involved.
Ice dams
Heavy snow and cold create ice dams nearly every winter.
Seasonal risks, licensing and FEMA history across the state are on the Minnesota page.
Common calls
Most requested in St. Cloud
Disaster history in Stearns County
Since 2000, FEMA has included Stearns County in 4 major disaster declarations: 3 severe storms, 1 flood. The most recent was Severe Storms, Straight-Line Winds, Tornadoes, and Flooding in 2022 (DR-4658).
Source: OpenFEMA disaster declarations, retrieved October 5, 2026.
FAQ
St. Cloud water damage questions
Who do I call for water damage in St. Cloud?
For water, fire or smoke damage in St. Cloud, MN, shut off the water or power if it's safe, then call (833) 462-1975. We connect you with an independent restoration company that serves your ZIP; 8 St. Cloud ZIP codes are covered. Drying should start within 24 to 48 hours to prevent mold.
How old are homes in St. Cloud?
The median home in St. Cloud was built in 1980. About 23% of its 29,575 homes were built before 1960 and 25% in 2000 or later, according to the Census Bureau's American Community Survey. Older homes are more likely to have corroded pipes and drains; newer homes see more appliance and supply-line leaks.
Has Stearns County had federally declared disasters?
Yes. Since 2000, FEMA has included Stearns County in 4 major disaster declarations for storms, floods, fires and similar events, most recently Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (2022). Federal assistance is only available for declared events; most water damage is handled through homeowners or flood insurance.
Do you cover all of St. Cloud?
Restoration companies in our network cover 8 St. Cloud ZIP codes. Coverage is set ZIP by ZIP, so enter yours in the ZIP checker or call to confirm a company serves your address.
ZIP codes covered in St. Cloud
56301, 56302, 56303, 56304, 56372, 56393, 56395, 56396
Water damage help near St. Cloud
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Also covered in Stearns County: Sartell · Waite Park · Saint Joseph · Sauk Centre · Cold Spring · Melrose · St. Augusta · Albany · Paynesville · Rockville · Collegeville · Avon · Richmond · Freeport · Belgrade · Holdingford · Kimball · Saint Stephen
Guides for St. Cloud homeowners
Water damage in St. Cloud?
Stop the source if you can, then call. We'll connect you with a local restoration company that serves your ZIP.
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