Mold, Insurance And Removal Costs In California
California has 58 counties and 1,745 ZIP code neighborhoods on this guide. At the statewide price level a typical professional mold job runs about $1,650 to $6,650 before rebuild.
1976Median year homes were built
57%Homes built before 1980
44%Homes rented, not owned
$695,400Median home value
14,532,683Housing units
39,242,785People
Half the homes in California were built before 1976, and 57 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 San Francisco County (1945), Los Angeles County (1965), Marin County (1966), San Mateo County (1966), Alameda County (1969).
FEMA rates inland flooding high in 33 of 58 California counties, and coastal flooding high in 8. Source FEMA National Risk Index, December 2025.
California Rules On Mold
California Mold And Insurance Rules
- Mold from a covered peril may be covered by your home policy. CDI Residential Property Claims Guide
- Mold is one of the perils home policies usually leave out. CDI Residential Insurance Guide
- Report water damage to your agent or insurer right away. CDI Residential Property Claims Guide
- If you think mold grew after a leak, call your claims adjuster right away. CDI Residential Property Claims Guide
All California Mold And Insurance Rules lines
California Department of Insurance
- California says mold damage caused by a covered peril may be covered by your home policy. Residential Property Claims Guide
- Report any water damage claim to your agent or insurer right away. Residential Property Claims Guide
- Drying wet areas and running a dehumidifier lowers the chance that mold follows water damage. Residential Property Claims Guide
- Mold is one of the perils usually excluded from California home policies. Residential Insurance Homeowners and Renters
Every California County
| County | ZIP Codes | Median Year Built | Typical Job Up To | Inland Flood Risk |
|---|---|---|---|---|
| Alameda County | 48 | 1969 | $6,950 | Very High |
| Alpine County | 3 | 1981 | $6,000 | Very Low |
| Amador County | 11 | 1983 | $6,000 | Relatively Low |
| Butte County | 18 | 1980 | $6,050 | Relatively Moderate |
| Calaveras County | 17 | 1987 | $6,000 | Relatively Moderate |
| Colusa County | 7 | 1979 | $6,000 | Relatively Low |
| Contra Costa County | 42 | 1978 | $6,950 | Very High |
| Del Norte County | 5 | 1982 | $6,000 | Relatively Moderate |
| El Dorado County | 23 | 1983 | $6,400 | Relatively Moderate |
| Fresno County | 54 | 1981 | $6,150 | Relatively High |
| Glenn County | 7 | 1978 | $6,000 | Relatively Low |
| Humboldt County | 35 | 1973 | $6,000 | Relatively High |
| Imperial County | 15 | 1988 | $5,700 | Relatively High |
| Inyo County | 9 | 1973 | $6,000 | Relatively Low |
| Kern County | 44 | 1984 | $6,050 | Relatively High |
| Kings County | 7 | 1986 | $6,100 | Relatively Moderate |
| Lake County | 14 | 1980 | $6,000 | Relatively High |
| Lassen County | 16 | 1977 | $6,000 | Relatively Moderate |
| Los Angeles County | 283 | 1965 | $6,800 | Very High |
| Madera County | 13 | 1988 | $6,150 | Relatively High |
| Marin County | 29 | 1966 | $6,950 | Relatively High |
| Mariposa County | 7 | 1986 | $6,000 | Relatively Low |
| Mendocino County | 26 | 1977 | $6,000 | Relatively High |
| Merced County | 19 | 1984 | $5,900 | Relatively High |
| Modoc County | 11 | 1976 | $6,000 | Relatively Low |
| Mono County | 8 | 1980 | $6,000 | Relatively Low |
| Monterey County | 30 | 1975 | $6,550 | Relatively High |
| Napa County | 9 | 1976 | $6,750 | Relatively High |
| Nevada County | 8 | 1983 | $6,000 | Relatively Moderate |
| Orange County | 87 | 1977 | $6,800 | Very High |
| Placer County | 30 | 1994 | $6,400 | Relatively High |
| Plumas County | 16 | 1980 | $6,000 | Relatively Moderate |
| Riverside County | 70 | 1990 | $6,400 | Very High |
| Sacramento County | 55 | 1980 | $6,400 | Relatively High |
| San Benito County | 4 | 1988 | $6,650 | Relatively Low |
| San Bernardino County | 85 | 1983 | $6,400 | Very High |
| San Diego County | 102 | 1980 | $6,700 | Very High |
| San Francisco County | 27 | 1945 | $6,950 | Relatively High |
| San Joaquin County | 29 | 1983 | $6,300 | Relatively High |
| San Luis Obispo County | 20 | 1983 | $6,500 | Relatively High |
| San Mateo County | 29 | 1966 | $6,950 | Relatively High |
| Santa Barbara County | 24 | 1974 | $6,550 | Relatively High |
| Santa Clara County | 58 | 1975 | $6,650 | Very High |
| Santa Cruz County | 17 | 1973 | $6,600 | Relatively High |
| Shasta County | 24 | 1982 | $6,050 | Relatively High |
| Sierra County | 8 | 1974 | $6,000 | Relatively Low |
| Siskiyou County | 21 | 1976 | $6,000 | Relatively Moderate |
| Solano County | 15 | 1982 | $6,500 | Relatively High |
| Sonoma County | 37 | 1979 | $6,450 | Relatively High |
| Stanislaus County | 25 | 1981 | $6,250 | Relatively High |
| Sutter County | 9 | 1981 | $6,250 | Relatively Low |
| Tehama County | 14 | 1981 | $6,000 | Relatively Moderate |
| Trinity County | 13 | 1977 | $6,000 | Relatively Moderate |
| Tulare County | 40 | 1983 | $6,000 | Relatively High |
| Tuolumne County | 13 | 1979 | $6,000 | Relatively Moderate |
| Ventura County | 26 | 1977 | $6,650 | Very High |
| Yolo County | 18 | 1982 | $6,400 | Relatively Moderate |
| Yuba County | 11 | 1985 | $6,250 | Relatively Moderate |
Largest Cities
- Los Angeles
- San Diego
- San Jose
- San Francisco
- Fresno
- Sacramento
- Long Beach
- Oakland
- Bakersfield
- Anaheim
- Stockton
- Riverside
- Santa Ana
- Irvine
- Chula Vista
- Santa Clarita
- Fremont
- San Bernardino
- Modesto
- Fontana
- Moreno Valley
- Oxnard
- Huntington Beach
- Glendale
- Ontario
- Elk Grove
- Santa Rosa
- Rancho Cucamonga
- Oceanside
- Garden Grove
- Lancaster
- Palmdale
- Salinas
- Hayward
- Corona
- Sunnyvale
- Roseville
- Pomona
- Torrance
- Fullerton