Mold, Insurance And Removal Costs In Colorado
Colorado has 64 counties and 515 ZIP code neighborhoods on this guide. At the statewide price level a typical professional mold job runs about $1,550 to $6,200 before rebuild.
1987Median year homes were built
41%Homes built before 1980
34%Homes rented, not owned
$502,200Median home value
2,545,124Housing units
5,810,774People
Half the homes in Colorado were built before 1987, and 41 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 Sedgwick County (1953), Otero County (1957), Washington County (1960), Bent County (1961), Kiowa County (1961).
FEMA rates inland flooding high in 3 of 64 Colorado counties. Source FEMA National Risk Index, December 2025.
Colorado Rules On Mold
Colorado Mold And Insurance Rules
- The state sample summary of a home policy lists mold or fungi as a reason a loss may not be covered. Colorado Homeowners Summary Of Coverage Form
- The state health department does not regulate mold. Tenant mold problems fall under the state warranty of habitability laws. CDPHE Contact Us
- Under a 2024 law a landlord must take first steps against mold within 72 hours of notice, such as stopping water and running a HEPA air filter. Colorado Senate Bill 24-094
Every Colorado County
| County | ZIP Codes | Median Year Built | Typical Job Up To | Inland Flood Risk |
|---|---|---|---|---|
| Adams County | 20 | 1990 | $6,350 | Relatively Moderate |
| Alamosa County | 3 | 1984 | $5,850 | Relatively Low |
| Arapahoe County | 17 | 1985 | $6,350 | Relatively Moderate |
| Archuleta County | 3 | 1994 | $5,850 | Relatively Low |
| Baca County | 6 | 1968 | $5,850 | Very Low |
| Bent County | 4 | 1961 | $5,850 | Very Low |
| Boulder County | 16 | 1986 | $6,300 | Relatively Moderate |
| Broomfield County | 2 | 2001 | $6,350 | Very Low |
| Chaffee County | 5 | 1992 | $5,850 | Relatively Low |
| Cheyenne County | 4 | 1969 | $5,850 | Very Low |
| Clear Creek County | 6 | 1976 | $6,350 | Relatively Low |
| Conejos County | 6 | 1978 | $5,850 | Very Low |
| Costilla County | 6 | 1986 | $5,850 | Very Low |
| Crowley County | 4 | 1965 | $5,850 | Very Low |
| Custer County | 2 | 1990 | $5,850 | Very Low |
| Delta County | 6 | 1979 | $5,850 | Relatively Low |
| Denver County | 27 | 1974 | $6,350 | Relatively High |
| Dolores County | 5 | 1978 | $5,850 | Very Low |
| Douglas County | 14 | 2001 | $6,350 | Relatively Moderate |
| Eagle County | 10 | 1992 | $5,850 | Relatively Moderate |
| El Paso County | 39 | 1988 | $6,050 | Relatively High |
| Elbert County | 7 | 1996 | $6,350 | Very Low |
| Fremont County | 8 | 1980 | $5,850 | Relatively Moderate |
| Garfield County | 6 | 1992 | $5,850 | Relatively Moderate |
| Gilpin County | 3 | 1982 | $6,350 | Very Low |
| Grand County | 8 | 1990 | $5,850 | Relatively Low |
| Gunnison County | 10 | 1988 | $5,850 | Relatively Low |
| Hinsdale County | 1 | 1983 | $5,850 | Very Low |
| Huerfano County | 4 | 1976 | $5,850 | Relatively Low |
| Jackson County | 4 | 1977 | $5,850 | Very Low |
| Jefferson County | 26 | 1980 | $6,350 | Relatively High |
| Kiowa County | 4 | 1961 | $5,850 | Very Low |
| Kit Carson County | 6 | 1970 | $5,850 | Very Low |
| La Plata County | 5 | 1991 | $5,850 | Relatively Moderate |
| Lake County | 2 | 1971 | $5,850 | Very Low |
| Larimer County | 18 | 1993 | $6,050 | Relatively Moderate |
| Las Animas County | 9 | 1971 | $5,850 | Relatively Low |
| Lincoln County | 6 | 1969 | $5,850 | Very Low |
| Logan County | 8 | 1962 | $5,850 | Relatively Low |
| Mesa County | 17 | 1987 | $5,750 | Relatively Moderate |
| Mineral County | 1 | 1986 | $5,850 | Very Low |
| Moffat County | 5 | 1977 | $5,850 | Very Low |
| Montezuma County | 7 | 1985 | $5,850 | Relatively Low |
| Montrose County | 8 | 1991 | $5,850 | Relatively Low |
| Morgan County | 7 | 1975 | $5,850 | Relatively Low |
| Otero County | 5 | 1957 | $5,850 | Relatively Low |
| Ouray County | 2 | 1994 | $5,850 | Very Low |
| Park County | 10 | 1989 | $6,350 | Very Low |
| Phillips County | 4 | 1968 | $5,850 | Very Low |
| Pitkin County | 7 | 1985 | $5,850 | Relatively Low |
| Prowers County | 4 | 1974 | $5,850 | Relatively Low |
| Pueblo County | 12 | 1974 | $5,500 | Relatively Moderate |
| Rio Blanco County | 3 | 1980 | $5,850 | Relatively Low |
| Rio Grande County | 3 | 1981 | $5,850 | Relatively Low |
| Routt County | 9 | 1992 | $5,850 | Relatively Low |
| Saguache County | 6 | 1986 | $5,850 | Very Low |
| San Juan County | 1 | 1976 | $5,850 | Very Low |
| San Miguel County | 5 | 1993 | $5,850 | Very Low |
| Sedgwick County | 3 | 1953 | $5,850 | Very Low |
| Summit County | 4 | 1989 | $5,850 | Relatively Low |
| Teller County | 5 | 1989 | $6,050 | Very Low |
| Washington County | 6 | 1960 | $5,850 | Very Low |
| Weld County | 34 | 2000 | $6,000 | Relatively Moderate |
| Yuma County | 7 | 1967 | $5,850 | Very Low |
Largest Cities
- Denver
- Colorado Springs
- Aurora
- Fort Collins
- Lakewood
- Thornton
- Arvada
- Westminster
- Pueblo
- Greeley
- Centennial
- Boulder
- Highlands Ranch
- Longmont
- Broomfield
- Grand Junction
- Commerce City
- Littleton
- Brighton
- Security-Widefield
- Windsor
- Englewood
- Wheat Ridge
- Erie
- Columbine
- Evans
- Cimarron Hills
- Firestone
- Frederick
- Greenwood Village
- Black Forest
- Lone Tree
- Berkley