Mold, Insurance And Removal Costs In Florida
Florida has 67 counties and 984 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.
1988Median year homes were built
35%Homes built before 1980
33%Homes rented, not owned
$325,000Median home value
10,082,356Housing units
21,928,881People
Half the homes in Florida were built before 1988, and 35 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 Pinellas County (1976), Broward County (1980), Miami-Dade County (1980), Jackson County (1982), Monroe County (1982).
FEMA rates inland flooding high in 15 of 67 Florida counties, and coastal flooding high in 16. Source FEMA National Risk Index, December 2025.
Florida Rules On Mold
Who May Do Mold Work
Florida licenses both mold assessors and mold remediators through the Department of Business and Professional Regulation. The license covers mold work on areas larger than 10 square feet.
State law keeps the two jobs apart. A mold assessor may not remediate a building that the assessor or the assessor’s company assessed in the last 12 months, and a remediator may not assess a building it remediated in that time. To check a license, search the DBPR license lookup by name or license number before you sign anything.
Florida Mold And Insurance Rules
- Florida describes two kinds of mold endorsement, one for damage to your home and one for liability. Florida DFS Policy Endorsements
- Mold testing and removal can cost more than your policy mold limit. The property endorsement can raise it. Florida DFS Policy Endorsements
- Licensing is required in Florida. A mold assessor or remediator must meet the state licensing law and training rules. Florida Statutes 468.8419
- A licensed mold remediator in Florida must carry at least $1 million in liability coverage that covers mold claims. Florida Statutes 468.8421
All Florida Mold And Insurance Rules lines
Florida Department of Financial Services
- Florida describes two kinds of mold endorsements. One is for property damage and one is for liability. Homeowners Insurance Policy Endorsements
- Mold testing, removal and cleaning can cost more than the mold limit on a Florida home policy. Homeowners Insurance Policy Endorsements
- A mold liability endorsement can pay claims from people who say mold in your home made them sick. Homeowners Insurance Policy Endorsements
- Florida law requires a mold assessor to carry at least 1 million dollars of liability and errors and omissions coverage. Florida Statutes 468.8421
- A Florida mold remediator must carry at least 1 million dollars of liability insurance that covers mold claims. Florida Statutes 468.8421
Every Florida County
| County | ZIP Codes | Median Year Built | Typical Job Up To | Inland Flood Risk |
|---|---|---|---|---|
| Alachua County | 19 | 1987 | $5,800 | Relatively Moderate |
| Baker County | 4 | 1994 | $5,950 | Very Low |
| Bay County | 12 | 1992 | $5,850 | Relatively Moderate |
| Bradford County | 4 | 1985 | $5,650 | Very Low |
| Brevard County | 28 | 1987 | $6,000 | Relatively High |
| Broward County | 53 | 1980 | $6,850 | Very High |
| Calhoun County | 4 | 1987 | $5,650 | Very Low |
| Charlotte County | 13 | 1990 | $6,050 | Relatively Moderate |
| Citrus County | 14 | 1989 | $5,600 | Relatively Moderate |
| Clay County | 7 | 1995 | $5,950 | Relatively Moderate |
| Collier County | 21 | 1996 | $6,200 | Relatively High |
| Columbia County | 6 | 1991 | $5,650 | Relatively Low |
| DeSoto County | 4 | 1989 | $5,650 | Relatively Low |
| Dixie County | 5 | 1988 | $5,650 | Very Low |
| Duval County | 33 | 1986 | $5,950 | Relatively High |
| Escambia County | 16 | 1983 | $5,850 | Relatively Moderate |
| Flagler County | 4 | 2001 | $5,950 | Relatively Moderate |
| Franklin County | 4 | 1986 | $5,650 | Very Low |
| Gadsden County | 7 | 1983 | $5,650 | Relatively Low |
| Gilchrist County | 2 | 1997 | $5,800 | Very Low |
| Glades County | 3 | 1989 | $5,650 | Relatively Low |
| Gulf County | 2 | 1996 | $5,650 | Very Low |
| Hamilton County | 2 | 1989 | $5,650 | Very Low |
| Hardee County | 4 | 1985 | $5,650 | Very Low |
| Hendry County | 4 | 1990 | $5,650 | Relatively Low |
| Hernando County | 10 | 1990 | $6,050 | Relatively Moderate |
| Highlands County | 8 | 1986 | $5,550 | Relatively Moderate |
| Hillsborough County | 54 | 1990 | $6,050 | Relatively High |
| Holmes County | 2 | 1983 | $5,650 | Very Low |
| Indian River County | 9 | 1991 | $5,900 | Relatively Moderate |
| Jackson County | 11 | 1982 | $5,650 | Relatively Low |
| Jefferson County | 3 | 1988 | $5,650 | Very Low |
| Lafayette County | 3 | 1989 | $5,650 | Very Low |
| Lake County | 24 | 1996 | $6,100 | Relatively Moderate |
| Lee County | 34 | 1995 | $6,150 | Relatively High |
| Leon County | 10 | 1988 | $5,650 | Relatively Moderate |
| Levy County | 9 | 1991 | $5,800 | Relatively Low |
| Liberty County | 3 | 1992 | $5,650 | Very Low |
| Madison County | 4 | 1987 | $5,650 | Very Low |
| Manatee County | 19 | 1990 | $6,150 | Relatively High |
| Marion County | 28 | 1992 | $5,700 | Relatively Moderate |
| Martin County | 9 | 1986 | $6,000 | Relatively Moderate |
| Miami-Dade County | 78 | 1980 | $6,850 | Very High |
| Monroe County | 9 | 1982 | $5,650 | Relatively Low |
| Nassau County | 5 | 1998 | $5,950 | Relatively Low |
| Okaloosa County | 13 | 1990 | $5,800 | Relatively Moderate |
| Okeechobee County | 1 | 1988 | $5,650 | Relatively Moderate |
| Orange County | 43 | 1993 | $6,100 | Relatively High |
| Osceola County | 13 | 2001 | $6,100 | Relatively Moderate |
| Palm Beach County | 50 | 1986 | $6,850 | Relatively High |
| Pasco County | 23 | 1991 | $6,050 | Relatively High |
| Pinellas County | 47 | 1976 | $6,050 | Relatively High |
| Polk County | 40 | 1991 | $5,850 | Relatively High |
| Putnam County | 13 | 1984 | $5,650 | Relatively Moderate |
| Santa Rosa County | 8 | 1997 | $5,850 | Relatively Moderate |
| Sarasota County | 24 | 1987 | $6,150 | Relatively High |
| Seminole County | 14 | 1988 | $6,100 | Relatively Moderate |
| St. Johns County | 10 | 2002 | $5,950 | Relatively Moderate |
| St. Lucie County | 14 | 1994 | $6,000 | Relatively Moderate |
| Sumter County | 10 | 2005 | $5,150 | Relatively Moderate |
| Suwannee County | 5 | 1991 | $5,650 | Relatively Low |
| Taylor County | 4 | 1986 | $5,650 | Relatively Low |
| Union County | 3 | 1991 | $5,650 | Very Low |
| Volusia County | 26 | 1986 | $5,950 | Relatively High |
| Wakulla County | 4 | 1997 | $5,650 | Very Low |
| Walton County | 7 | 2000 | $5,800 | Relatively Low |
| Washington County | 5 | 1987 | $5,850 | Relatively Low |
Largest Cities
- Jacksonville
- Miami
- Tampa
- Orlando
- St. Petersburg
- Hialeah
- Port St. Lucie
- Cape Coral
- Tallahassee
- Fort Lauderdale
- Pembroke Pines
- Hollywood
- Gainesville
- Miramar
- Coral Springs
- Lehigh Acres
- Palm Bay
- West Palm Beach
- Spring Hill
- Clearwater
- Lakeland
- Brandon
- Pompano Beach
- Miami Gardens
- Riverview
- Davie
- Boca Raton
- Sunrise
- Deltona
- Palm Coast
- Plantation
- Fort Myers
- Alafaya
- Deerfield Beach
- Town 'n' Country
- Melbourne
- Largo
- Pine Hills
- The Villages
- Miami Beach