Mold, Insurance And Removal Costs In Connecticut
Connecticut has 8 counties and 284 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.
1967Median year homes were built
68%Homes built before 1980
34%Homes rented, not owned
$343,200Median home value
1,536,049Housing units
3,598,348People
Half the homes in Connecticut were built before 1967, and 68 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.
FEMA rates inland flooding high in 0 of 8 Connecticut counties. Source FEMA National Risk Index, December 2025.
Connecticut Rules On Mold
Connecticut Mold And Insurance Rules
- A Connecticut policy may not limit mold loss when fire or lightning caused it. CID Mold Coverage Filing Guidelines
- For other covered causes a mold cap is allowed, but it must be at least $10,000. CID Mold Coverage Filing Guidelines
- Insurers may not add a separate deductible for mold. CID Mold Coverage Filing Guidelines
- Home policies may not exclude liability for mold. A liability cap is allowed if it is at least $50,000. CID Mold Coverage Filing Guidelines
- The state health department says if you can see or smell mold, skip testing and clean it up. CT DPH Mold Guidance For Real Estate, Banking And Insurance
Every Connecticut County
| County | ZIP Codes | Median Year Built | Typical Job Up To | Inland Flood Risk |
|---|---|---|---|---|
| Fairfield County | 46 | Not published | $5,900 | Not rated |
| Hartford County | 58 | Not published | $5,900 | Not rated |
| Litchfield County | 40 | Not published | $5,900 | Not rated |
| Middlesex County | 23 | Not published | $5,900 | Not rated |
| New Haven County | 41 | Not published | $5,900 | Not rated |
| New London County | 33 | Not published | $5,900 | Not rated |
| Tolland County | 15 | Not published | $5,900 | Not rated |
| Windham County | 28 | Not published | $5,900 | Not rated |