Quick answer
For water damage in Retreat, TX, shut off your main valve first, or turn off the well pump breaker if you are on a private well. For a leak at the meter, call the Retreat Water System at 903-874-8244. Then call a water damage restoration company; drying should start within 24 to 48 hours. Texas insurers must acknowledge your claim within 15 days.
Do this first
Local water and septic lines.
- Shut off the water. Close your main valve. Retreat's water comes through the Retreat Water System, run by Community Water Company in Corsicana; for a leak at the meter, call its office.
- Make it safe and document it. Cut power to wet rooms from a dry spot, photograph the damage, then report the claim.
- Start drying within 24 to 48 hours. Nearly all Retreat homes are owner-occupied houses on septic, and wet drywall and subfloors keep wicking water, so ask for readings in every wet room before anything is closed up.
Creeks and low county roads around Corsicana can flood after heavy spring rain. Never drive through water over a road. Floodwater can carry septic runoff, so treat it as contaminated.
What to know about water damage in Retreat
1840s
When the site was settled, as Beeman's School House. For years the log building served as the area's only school and church, and it was moved more than once; someone suggested calling the place Retreat, and the name stuck.
Source: Handbook of Texas, Retreat
A gin and a store
A public school had 50 students in 1906. In the mid-1930s Retreat had a store, a gin, a cemetery, and a number of houses. The store closed after World War II.
Source: Handbook of Texas, Retreat
Lake water from Corsicana
The Retreat Water System buys treated water from the City of Corsicana, which draws from Navarro Mills Lake, Richland-Chambers Reservoir, and Lake Halbert.
Sources: Retreat 2024 water quality report, City of Corsicana water treatment
Septic permits required
Navarro County Planning and Development, 601 N. 13th Street in Corsicana, permits septic systems. The county says every system must be permitted and installed by a licensed installer, with fines up to $500 a day.
Homes in Retreat
The Census Bureau counts about 273 homes. About 98% are owner-occupied, only 5% are mobile homes, the median home dates to 1988, and the median value is about $190,800.
Growing with Corsicana
Retreat had about 100 people in the mid-1960s and 334 by 1990, as more residents took jobs in Corsicana. The Census Bureau now estimates about 707.
Sources: Handbook of Texas, Retreat, Census Reporter
Freezes and rain
The NOAA weather station at Corsicana averages 37.5 nights a year at or below 32°F and 3.2 at or below 20°F. In half of years the first freeze comes by November 16 and the last one after March 14. Pipes in outside walls, attics, and pier-and-beam crawlspaces are the first to split. It also averages 42.12 inches of rain a year, with about 13.7 days of an inch or more.
Check your ZIP
How often does Navarro County get flash flood warnings?
The National Weather Service issued 32 flash flood warnings that included Navarro County from 2016 through November 12, 2026, peaking at 9 in 2024. Each one means flooding is happening or about to happen.
Source: our count from the National Weather Service warning archive, Iowa Environmental Mesonet.
| Year | Warnings |
|---|---|
| 2016 | 6 |
| 2017 | 2 |
| 2018 | 0 |
| 2019 | 0 |
| 2020 | 1 |
| 2021 | 2 |
| 2022 | 1 |
| 2023 | 1 |
| 2024 | 9 |
| 2025 | 9 |
| 2026 | 1 |
Cost and insurance in Retreat
How much does water damage restoration cost in Retreat?
Most jobs run $450 to $16,000 (Angi). Creek flooding needs a separate flood policy. Wet subfloors and drywall take longer.
Water removal and restoration in Retreat
The company that answers handles burst pipes in hard freezes, slab and supply line leaks, water heater failures, and septic backups, plus burst pipes, appliance leaks, drying, and septic backups.
Retreat questions
Who supplies water in Retreat?
The Retreat Water System, run by Community Water Company at 1720 South US 287 in Corsicana, 903-874-8244.
Who handles septic permits in Retreat?
Navarro County Planning and Development in Corsicana, 903-875-3311. A restoration company handles the cleanup inside the house.
How cold does Retreat get?
The NOAA station at Corsicana averages about 37 nights a year at or below 32°F and about 3 at or below 20°F. In half of years the first freeze comes by November 16.
Which ZIP codes does this page cover?
ZIP 75110 within the Town of Retreat. Nearby: Oak Valley and Emhouse.
Related guides
Other Texas towns- Water mitigation vs. restoration
- Sewage backup: what to do first
- Burst pipe repair cost
- Texas insurance claim deadlines, in plain English
- Frozen and burst pipes: what to do
- Does homeowners insurance cover water damage?
- How long water damage takes to dry
Local phone numbers checked November 2026: