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Frozen Pipes

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A frozen pipe is a small emergency that turns into a large one at the moment it thaws. Water expands as it freezes, the pressure trapped between the ice plug and a closed faucet splits the pipe, and nothing is visible until the ice melts and the split starts running. The Maine Emergency Management Agency puts the scale of the consequence in plain terms: frozen or broken water pipes damage homes every winter, and an eighth-inch crack in a pipe can release up to 250 gallons of water a day, soaking floors, rugs and furniture.

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It is a national problem rather than a northern one. Pipes freeze in the upper Midwest and New England every winter, but the costly failures tend to cluster where they are unexpected, in houses across the South and Southwest built with plumbing in unheated attics, vented crawl spaces and uninsulated exterior walls, when an Arctic outbreak reaches a place that rarely sees one. The pipes most at risk, in Maine's list, are those near outer walls, in crawl spaces or in the attic.

This guide covers how to tell a frozen pipe from a supply problem, what to do in the first ten minutes, the thawing methods that start house fires and the ones that do not, the prevention routine that costs almost nothing, and what your policies are likely to say afterward.

How to tell a pipe is frozen rather than the water being off

  • One fixture gives nothing or a thin trickle while the rest of the house runs normally, which points to a single frozen run rather than a supply failure.
  • The fixture that fails is on an outside wall, over a garage, in a crawl space, above an unheated porch or at the end of a long run to a laundry, all the places the cold reaches first.
  • It fails after the coldest night of the cold snap rather than during the day, and often comes back briefly when the sun hits that wall.
  • Visible frost, condensation or a slight bulge on an exposed length of pipe in a basement, crawl space or attic.
  • A toilet that will not refill, or a washing machine that fills on hot but not cold, since the two lines rarely freeze at the same moment.
  • Odd knocking or gurgling when a tap is opened, as water moves past a partial ice plug.
  • Nothing at all from any fixture, which usually means the freeze is at the meter, the service line or the main shut-off rather than inside the house, and is a call to the water utility as well as to a plumber.

The first ten minutes, and the thawing methods that burn houses down

Find the main shut-off before you need it. Maine's emergency management guidance is that everyone in the household should know how to shut off the water in case pipes burst, because stopping the flow is what limits the damage, and that the next two calls are a plumber and your insurance agent. Leave the affected faucet open while you work: flowing water carries heat to the ice and gives the melt somewhere to go as the plug releases.

Then the warning that matters most, in Maine's own words: never try to thaw a pipe with an open flame or torch. This is not a cautious suggestion. Heating fires remain the second leading cause of home fires in the United States, with an estimated 32,200 home heating fires reported in 2021, causing an estimated 190 deaths and 625 injuries, according to the US Fire Administration. Its data also shows how disproportionate the portable heater risk is: home portable heater fires were only 3 percent of all home heating fires annually for 2017 to 2019, but they accounted for 41 percent of fatal heating fires in homes.

That makes the safe method a matter of warming the air and the pipe gently rather than concentrating heat on one spot. If a space heater is used at all, the fire service's standing rules apply: keep anything that can burn at least three feet from any heat source, turn space heaters off when leaving the room or going to bed, and never use an oven to heat your home. Water and electricity are the other hazard in a basement or crawl space; Maine's guidance is to be careful of the potential for electric shock in and around standing water, and Ready.gov's rule for any flooded space is not to touch electrical equipment if it is wet or if you are standing in water.

The prevention routine, before the cold and during it

  • Before the cold arrives, locate and insulate the pipes most susceptible to freezing, typically those near outer walls, in crawl spaces or in the attic, using insulation made for the purpose.
  • Where insulation alone is not enough, wrap pipes with heat tape, and Maine's guidance specifies UL-approved tape; follow the manufacturer's instructions exactly, since heat tape is an electrical appliance and not a wrapping material.
  • Seal the leaks that let cold air in where pipes run, which is often a rim joist, a crawl space vent or a hole cut for cable that nobody closed.
  • Disconnect garden hoses and shut off and drain the water to outside faucets, which reduces the chance of freezing in the short span of pipe just inside the house.
  • When it is cold, let hot and cold water trickle at night from a faucet on an outside wall; running water through the pipe, even at a trickle, helps because the water moving through it is above freezing.
  • Open cabinet doors under sinks on outer walls so household heat reaches the pipes behind them.
  • Keep the heat on and set no lower than 55 degrees Fahrenheit, which is the floor Maine's guidance gives for an occupied or an empty house alike.
  • Ready.gov's general winter advice supports the same routine from the building side: prepare your home to keep out the cold with insulation, caulking and weather stripping.

Empty houses, vacation homes and the week you are away

Most catastrophic freeze losses happen in houses nobody is standing in. The guidance for an absence is a choice between two options rather than a set of half-measures: either have someone check the house daily to make sure the heat is still on, or drain and shut off the water system entirely, with the exception of indoor fire sprinkler systems, which are never to be drained without professional advice because they are life-safety equipment.

The daily check matters because the failure that causes the damage is usually not the cold itself but the furnace that quit, the fuel that ran out or the power that went off on day two of a week away. A remote-reading thermostat or a simple low-temperature alarm converts that into something you learn about the same day, and neither is expensive next to a burst line running for six days.

Seasonal properties deserve the full drain-down done by someone who does it every year: supply lines drained, traps protected, the water heater dealt with, the pressure tank on a well handled, and a written record of what was closed so the spring reopening does not turn into its own flood. In the South, where a hard freeze may arrive once in five years, the most useful preparation is knowing in advance where the shut-off is, because that is the knowledge nobody has when it happens.

Patching the split, or replacing the run that keeps freezing

  • A single split in an accessible length of pipe is a straightforward repair, and the pipe either side of it should be inspected before the wall is closed, since ice often stretches more than the section that visibly burst.
  • Once the water is back on, turn it on slowly and check the pipes and joints for cracks or leaks caused by the freezing, rather than walking away as soon as flow returns.
  • A run that has frozen twice will freeze again: the repair conversation should include insulating it, rerouting it into conditioned space, or abandoning that leg entirely.
  • Pipes buried in an exterior wall cavity are the classic candidate for rerouting, because insulation on the wrong side of the pipe makes the problem worse rather than better.
  • Where a whole house has frozen through, expect a plumber to want to pressure-test the system rather than chase leaks one at a time.
  • Treat heat tape as equipment with a service life: inspect it before each winter, replace damaged tape rather than repairing it, and never run it under insulation unless the manufacturer's instructions permit that use.
  • If the freeze was in the buried service line between the meter and the house, the fix is a utility and excavation question rather than a plumbing one, and the water utility should be brought in early.

What the water does after the pipe lets go

The damage from a frozen pipe is rarely confined to the pipe. Maine's guidance gives the sense of the volume involved, noting that a crack an eighth of an inch across can release up to 250 gallons a day into floors, rugs and furniture, and a split above a ceiling or inside a wall distributes that quietly through insulation, framing and drywall before anyone sees a stain.

Two secondary hazards follow, and they are the reason a burst pipe is not only a plumbing job. The first is electrical: circuits, outlets and equipment that have been rained on from above or stood in water are not to be touched or energised until someone qualified has looked at them. The second is drying. Materials that stay wet grow mould, and a repair that closes a wall over wet insulation and soaked framing converts a one-week problem into a season-long one, which is why professional drying and moisture readings are worth insisting on before anything is reinstated.

If the water reached a basement where the furnace, water heater or electrical panel lives, treat that equipment as suspect rather than as working because it still runs. FEMA's guidance on flooded equipment makes the same point about the general case: floodwater can seep into appliances and systems, and defects may not be discovered until well after the event.

What the policies say about a burst pipe

The federal flood policy is the easy one, because it says no. The Standard Flood Insurance Policy dwelling form published in the Code of Federal Regulations excludes direct physical loss caused directly or indirectly by freezing or thawing, and separately excludes water damage resulting primarily from a condition within your control, expressly including the failure, stoppage or breakage of water or sewer lines, drains, pumps, fixtures or equipment. A burst supply pipe is not a flood claim.

The homeowner policy is where this normally lands. FEMA's own guidance to homeowners recovering from water damage observes that homeowners insurance usually covers losses caused by wind, storms or broken water pipes, while damage from surface flooding or sewer backup may not be covered without separate cover. Many policies do, however, attach conditions to a freeze loss, typically about maintaining heat in the building or shutting off and draining the system when it is unoccupied, which is exactly the choice Maine's guidance presents for an absence.

The practical consequence is administrative rather than technical. Photograph the damage before anything is moved, keep the failed section of pipe, note the outside temperatures over the days in question, and call the agent early; Maine's guidance pairs the plumber and the insurance agent in the same sentence for a reason. Read the policy's freeze conditions before you leave for a week in February rather than after.

What a frozen pipe call turns on, and how LokalMatch fits in

Two frozen-pipe calls can look completely different on paper. What moves the number is whether the pipe is merely frozen or already split; whether the ice is somewhere reachable or behind finished wall, ceiling or slab; how much has to be opened up to find it; whether one fixture or the whole house is affected; whether the freeze is inside the building or out in the buried service line; whether the call is at midnight during a regional cold snap when every plumber in the metro is booked; and how much drying, demolition and reinstatement follows the plumbing repair. The prevention list above is cheap precisely because the emergency version of this work is not.

LokalMatch is the introduction step and nothing more. You describe the problem once, including which fixtures have stopped, where the pipes run, whether anything is leaking yet and whether you have already shut the water off, and plumbers covering your ZIP code contact you directly; the pros pay for the requests they receive and the service costs homeowners nothing. LokalMatch does not thaw or repair pipes, does not set prices and does not vet, rank or recommend any contractor, so confirming state licensing, insurance and references stays with you.

Frozen Pipes: frequently asked questions

What is the safest way to thaw a frozen pipe?

Warm the air around the pipe gently and leave the faucet open so meltwater can escape. The one absolute rule, in the Maine Emergency Management Agency's words, is never to try to thaw a pipe with an open flame or torch. Heating fires are the second leading cause of home fires in the country, and the US Fire Administration reports that portable heater fires were only 3 percent of home heating fires annually for 2017 to 2019 but accounted for 41 percent of fatal heating fires, so keep anything that can burn at least three feet from any heat source and never leave a heater running unattended.

How cold does it have to get before pipes freeze?

There is no single outdoor temperature, because what matters is the temperature at the pipe: a pipe in an unheated attic or an uninsulated exterior wall can freeze while the house is comfortable, and a well-insulated line in a heated space will not. That is why the guidance is written about locations rather than thresholds. Maine's advice is to insulate the pipes most susceptible to freezing, typically those near outer walls, in crawl spaces or in the attic, and to keep the heat on and set no lower than 55 degrees Fahrenheit.

Does letting a faucet drip really work?

Yes, and it is the cheapest thing on the list. The guidance is to let hot and cold water trickle at night from a faucet on an outside wall, because running water through the pipe, even at a trickle, helps prevent freezing since the water moving through it is above freezing. Pair it with opening the cabinet doors under sinks on outer walls so household heat can reach the pipes behind them.

Should I shut off the water when I go away in winter?

Either that, or arrange daily checks. The guidance gives two acceptable options for an absence: have someone check the house daily to make sure the heat is still on, or drain and shut off the water system, with indoor sprinkler systems excepted. Most freeze catastrophes happen in houses nobody is in, usually because the heat failed rather than because the weather was extraordinary. Many homeowner policies also attach conditions about heat or drain-down to a freeze loss, so read yours before you travel.

Will my insurance cover a burst pipe?

Not the flood policy. The Standard Flood Insurance Policy dwelling form excludes loss caused directly or indirectly by freezing or thawing, and also excludes water damage resulting from the failure, stoppage or breakage of water lines, drains, pumps, fixtures or equipment. FEMA's guidance notes that homeowners insurance usually covers losses caused by broken water pipes, so the homeowner policy is where this normally sits, subject to whatever conditions it sets about maintaining heat or draining the system in an unoccupied house.

No water anywhere in the house. Is that a frozen pipe?

Possibly, but it is a different freeze. When one fixture is dry and the rest work, the ice is in a branch inside the house. When nothing works at all, the freeze is more likely at the meter, in the buried service line or at the main shut-off, and that is a call to the water utility as well as to a plumber, since the repair may be on their side of the meter. Either way, find the shut-off first so you are ready when the water comes back.

Sources

  1. Maine Emergency Management Agency: Preventing or Thawing Frozen Water Pipes
  2. US Fire Administration: Heating Fire Safety
  3. 44 CFR part 61 appendix A(1): Standard Flood Insurance Policy, Dwelling Form (govinfo)
  4. FEMA: Urban Flooding — Guidance for Homeowners and Renters (cleaning up and insurance)
  5. Ready.gov: Winter Weather

Written by the LokalMatch editorial team. Last reviewed September 21, 2026. How we write and check our guides

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What affects the cost of frozen pipe

Prices depend on the details of your project. We only publish price ranges when they’re backed by real LokalMatch quote data or reliable sources. Until then, here’s what usually changes the price:

  • Type of problem and how easy it is to find
  • Access to pipes behind walls, under floors or underground
  • Parts and fixtures chosen
  • Age and material of the existing pipes
  • Emergency, evening or weekend service
  • Permits and inspections, where required

How to compare plumbers before you hire

  • Hire a plumber who is licensed for this work in your area, especially for gas water heaters, sewer lines and new plumbing.
  • Ask whether they charge a flat rate or by the hour, and what the call-out fee covers.
  • For leaks and drain problems, choose someone who explains the cause and doesn't only clear the symptom.
  • Get the scope in writing for larger jobs such as a water heater, sewer repair or re-piping.
  • If it's urgent, ask how soon they can arrive and whether after-hours rates apply.

Questions to ask plumbers before you hire

  • Are you licensed for plumbing work in my area?
  • Do you charge a flat rate or by the hour, and is there a call-out fee?
  • What do you think is causing the problem?
  • Will this work need a permit or an inspection, and who will arrange it?
  • Will you need to open walls, floors or the yard to reach the problem?
  • What warranty do you offer on parts and labour?

When to call a pro for frozen pipe

  • An active leak: shut off the main water valve if you can reach it safely, then call a plumber.
  • Sewage backing up into drains or the basement
  • No hot water, or water pooling around the water heater
  • Pipes that may have frozen during a cold snap

Frozen pipe permits and local rules

Some frozen pipe work needs a permit or has to meet local bylaws. Rules vary by municipality, so ask your pro whether a permit is needed and who will apply for it — and check with your city or town if you’re unsure.

Permits and licensing

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