Mold, Insurance And Removal Costs In Hawaii
Hawaii has 5 counties and 89 ZIP code neighborhoods on this guide. At the statewide price level a typical professional mold job runs about $1,650 to $6,600 before rebuild.
1979Median year homes were built
51%Homes built before 1980
37%Homes rented, not owned
$808,200Median home value
564,905Housing units
1,445,635People
Half the homes in Hawaii were built before 1979, and 51 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 Kalawao County (1938), Honolulu County (1977), Kauai County (1983), Maui County (1985), Hawaii County (1988).
FEMA rates inland flooding high in 3 of 5 Hawaii counties. Source FEMA National Risk Index, December 2025.
Hawaii Rules On Mold
Hawaii Mold And Insurance Rules
- Most home policies give little or no mold coverage. Hawaii suggests asking about a mold endorsement. Hawaii A Consumer's Guide To Home Insurance
- Water damage from poor upkeep may not be covered. Hawaii My Insurance Doesn't Cover What
- Drying things out fast after water gets in helps cut the chance of mold. Hawaii My Insurance Doesn't Cover What
Every Hawaii County
| County | ZIP Codes | Median Year Built | Typical Job Up To | Inland Flood Risk |
|---|---|---|---|---|
| Hawaii County | 28 | 1988 | $6,400 | Relatively High |
| Honolulu County | 30 | 1977 | $6,650 | Very High |
| Kalawao County | 1 | 1938 | $6,550 | Very Low |
| Kauai County | 16 | 1983 | $6,400 | Relatively Moderate |
| Maui County | 14 | 1985 | $6,550 | Relatively High |