Mold, Insurance And Removal Costs In Alabama
Alabama has 67 counties and 626 ZIP code neighborhoods on this guide. At the statewide price level a typical professional mold job runs about $1,350 to $5,350 before rebuild.
1985Median year homes were built
42%Homes built before 1980
30%Homes rented, not owned
$195,100Median home value
2,316,192Housing units
5,054,253People
Half the homes in Alabama were built before 1985, and 42 percent went up before 1980. Older plumbing, roofs and window seals are where slow leaks start, and slow leaks are the mold most home policies leave out.
The counties with the oldest housing are Dallas County (1975), Etowah County (1975), Jefferson County (1975), Lamar County (1978), Marion County (1978).
FEMA rates inland flooding high in 4 of 67 Alabama counties, and coastal flooding high in 2. Source FEMA National Risk Index, December 2025.
Alabama Rules On Mold
Alabama Mold And Insurance Rules
- Water that seeps in over time is usually not covered. The state calls seepage a home upkeep problem. ALDOI Natural Disasters Guide
- Most home policies pay for water damage from a burst pipe. The pipe itself may not be paid for. ALDOI Natural Disasters Guide
- Licensing is not required in Alabama for mold testing or mold cleanup work, and the state has no mold standards for homes. ADPH Indoor Air Quality
- The state health department says you do not need to test mold you can see or smell. Just fix the water and clean it up. ADPH Mold Facts
Every Alabama County
| County | ZIP Codes | Median Year Built | Typical Job Up To | Inland Flood Risk |
|---|---|---|---|---|
| Autauga County | 6 | 1993 | $5,400 | Relatively Low |
| Baldwin County | 22 | 1998 | $5,700 | Relatively Moderate |
| Barbour County | 5 | 1982 | $5,000 | Relatively Low |
| Bibb County | 8 | 1986 | $5,500 | Relatively Low |
| Blount County | 8 | 1989 | $5,500 | Relatively Low |
| Bullock County | 2 | 1988 | $5,000 | Very Low |
| Butler County | 3 | 1980 | $5,000 | Relatively Low |
| Calhoun County | 10 | 1979 | $5,150 | Relatively Moderate |
| Chambers County | 6 | 1979 | $5,000 | Relatively Low |
| Cherokee County | 5 | 1987 | $5,000 | Relatively Low |
| Chilton County | 8 | 1987 | $5,500 | Relatively Low |
| Choctaw County | 10 | 1983 | $5,000 | Relatively Moderate |
| Clarke County | 10 | 1982 | $5,000 | Relatively Low |
| Clay County | 4 | 1983 | $5,000 | Relatively Low |
| Cleburne County | 5 | 1986 | $5,000 | Relatively Low |
| Coffee County | 5 | 1986 | $5,000 | Relatively Moderate |
| Colbert County | 5 | 1980 | $5,100 | Relatively Moderate |
| Conecuh County | 6 | 1985 | $5,000 | Very Low |
| Coosa County | 5 | 1986 | $5,000 | Very Low |
| Covington County | 10 | 1981 | $5,000 | Relatively Low |
| Crenshaw County | 6 | 1981 | $5,000 | Very Low |
| Cullman County | 12 | 1985 | $5,000 | Relatively Moderate |
| Dale County | 7 | 1982 | $5,000 | Relatively Low |
| Dallas County | 7 | 1975 | $5,000 | Relatively Moderate |
| DeKalb County | 15 | 1984 | $5,000 | Relatively Moderate |
| Elmore County | 9 | 1995 | $5,400 | Relatively Moderate |
| Escambia County | 4 | 1984 | $5,000 | Relatively Low |
| Etowah County | 11 | 1975 | $5,150 | Relatively Moderate |
| Fayette County | 7 | 1980 | $5,000 | Relatively Low |
| Franklin County | 7 | 1983 | $5,000 | Relatively Low |
| Geneva County | 8 | 1981 | $5,050 | Relatively Low |
| Greene County | 4 | 1982 | $5,250 | Very Low |
| Hale County | 4 | 1986 | $5,250 | Relatively Low |
| Henry County | 6 | 1982 | $5,050 | Relatively Low |
| Houston County | 10 | 1984 | $5,050 | Relatively Moderate |
| Jackson County | 17 | 1983 | $5,000 | Relatively Moderate |
| Jefferson County | 50 | 1975 | $5,500 | Relatively High |
| Lamar County | 5 | 1978 | $5,000 | Very Low |
| Lauderdale County | 8 | 1980 | $5,100 | Relatively Moderate |
| Lawrence County | 7 | 1990 | $5,250 | Relatively Low |
| Lee County | 8 | 1997 | $5,300 | Relatively Moderate |
| Limestone County | 10 | 1996 | $5,600 | Relatively Moderate |
| Lowndes County | 6 | 1990 | $5,400 | Very Low |
| Macon County | 6 | 1979 | $5,300 | Very Low |
| Madison County | 21 | 1991 | $5,600 | Relatively High |
| Marengo County | 9 | 1983 | $5,000 | Relatively Low |
| Marion County | 6 | 1978 | $5,000 | Relatively Low |
| Marshall County | 9 | 1985 | $5,000 | Relatively Moderate |
| Mobile County | 34 | 1979 | $5,300 | Relatively High |
| Monroe County | 8 | 1983 | $5,000 | Relatively Low |
| Montgomery County | 18 | 1979 | $5,400 | Relatively High |
| Morgan County | 8 | 1983 | $5,250 | Relatively Moderate |
| Perry County | 3 | 1985 | $5,000 | Very Low |
| Pickens County | 5 | 1981 | $5,250 | Relatively Low |
| Pike County | 6 | 1988 | $5,000 | Relatively Low |
| Randolph County | 5 | 1987 | $5,000 | Relatively Low |
| Russell County | 7 | 1983 | $5,350 | Relatively Low |
| Shelby County | 16 | 1997 | $5,500 | Relatively Moderate |
| St. Clair County | 11 | 1997 | $5,500 | Relatively Moderate |
| Sumter County | 8 | 1980 | $5,000 | Relatively Low |
| Talladega County | 9 | 1983 | $5,000 | Relatively Moderate |
| Tallapoosa County | 5 | 1984 | $5,000 | Relatively Moderate |
| Tuscaloosa County | 18 | 1992 | $5,250 | Relatively Moderate |
| Walker County | 13 | 1982 | $5,500 | Relatively Moderate |
| Washington County | 14 | 1983 | $5,000 | Relatively Low |
| Wilcox County | 9 | 1985 | $5,000 | Relatively Low |
| Winston County | 7 | 1987 | $5,000 | Relatively Low |