Mold, Insurance And Removal Costs In Illinois
Illinois has 102 counties and 1,387 ZIP code neighborhoods on this guide. At the statewide price level a typical professional mold job runs about $1,500 to $6,000 before rebuild.
1970Median year homes were built
64%Homes built before 1980
33%Homes rented, not owned
$250,500Median home value
5,443,501Housing units
12,692,653People
Half the homes in Illinois were built before 1970, and 64 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 Ford County (1955), Greene County (1956), Knox County (1956), Stark County (1956), Warren County (1956).
FEMA rates inland flooding high in 7 of 102 Illinois counties. Source FEMA National Risk Index, December 2025.
Illinois Rules On Mold
Illinois Mold And Insurance Rules
- Mold from slow leaks, humidity or drainage problems is probably not covered. IDOI Mold Facts
- In Illinois, mold from water used after a covered fire or lightning loss is covered up to the full policy limit. IDOI Mold Facts
- Some insurers cap mold claims at a set amount, such as $5,000. IDOI Mold Facts
- Some insurers exclude mold but sell it back for an extra charge. IDOI Mold Facts
- Licensing is not required for mold remediators in Illinois, and there are no state standards for them. IDOI Mold Facts
All Illinois Mold And Insurance Rules lines
Illinois Department of Insurance
- Whether mold is covered depends on what caused it and on your policy. Mold Facts
- Mold from long term seepage, humidity, condensation or drainage problems would probably not be covered. Mold Facts
- In Illinois mold from water damage after a covered fire or lightning loss is covered up to the full policy limit. Mold Facts
- Some insurers cap mold claims at a set dollar amount such as 5,000 dollars. Mold Facts
- Some insurers exclude all mold but sell a buy back endorsement that adds some mold coverage for extra money. Mold Facts
Every Illinois County
| County | ZIP Codes | Median Year Built | Typical Job Up To | Inland Flood Risk |
|---|---|---|---|---|
| Adams County | 16 | 1964 | $5,250 | Relatively Low |
| Alexander County | 6 | 1969 | $5,150 | Relatively Low |
| Bond County | 8 | 1974 | $5,700 | Very Low |
| Boone County | 5 | 1981 | $5,550 | Relatively Low |
| Brown County | 3 | 1960 | $5,250 | Very Low |
| Bureau County | 24 | 1957 | $5,250 | Relatively Low |
| Calhoun County | 6 | 1968 | $5,700 | Very Low |
| Carroll County | 7 | 1959 | $5,250 | Relatively Low |
| Cass County | 6 | 1967 | $5,250 | Very Low |
| Champaign County | 29 | 1982 | $5,550 | Relatively Moderate |
| Christian County | 14 | 1963 | $5,250 | Relatively Low |
| Clark County | 7 | 1969 | $5,250 | Very Low |
| Clay County | 7 | 1973 | $5,250 | Relatively Low |
| Clinton County | 11 | 1977 | $5,700 | Relatively Low |
| Coles County | 6 | 1970 | $5,250 | Relatively Moderate |
| Cook County | 166 | 1961 | $6,200 | Very High |
| Crawford County | 7 | 1965 | $5,250 | Relatively Low |
| Cumberland County | 5 | 1969 | $5,250 | Very Low |
| De Witt County | 8 | 1961 | $5,250 | Very Low |
| DeKalb County | 13 | 1978 | $6,200 | Relatively Moderate |
| Douglas County | 7 | 1968 | $5,250 | Relatively Low |
| DuPage County | 37 | 1978 | $6,200 | Relatively High |
| Edgar County | 8 | 1964 | $5,250 | Very Low |
| Edwards County | 4 | 1968 | $5,250 | Very Low |
| Effingham County | 7 | 1978 | $5,250 | Relatively Low |
| Fayette County | 9 | 1970 | $5,250 | Relatively Low |
| Ford County | 9 | 1955 | $5,550 | Relatively Low |
| Franklin County | 16 | 1965 | $5,250 | Relatively Low |
| Fulton County | 20 | 1959 | $5,250 | Relatively Low |
| Gallatin County | 5 | 1971 | $5,250 | Relatively Low |
| Greene County | 10 | 1956 | $5,250 | Very Low |
| Grundy County | 8 | 1990 | $6,200 | Relatively Low |
| Hamilton County | 4 | 1971 | $5,250 | Very Low |
| Hancock County | 16 | 1963 | $5,250 | Very Low |
| Hardin County | 3 | 1973 | $5,250 | Very Low |
| Henderson County | 8 | 1973 | $5,250 | Very Low |
| Henry County | 16 | 1961 | $5,350 | Relatively Low |
| Iroquois County | 21 | 1960 | $5,250 | Relatively Moderate |
| Jackson County | 15 | 1976 | $5,250 | Relatively Moderate |
| Jasper County | 8 | 1974 | $5,250 | Very Low |
| Jefferson County | 12 | 1977 | $5,250 | Relatively Low |
| Jersey County | 8 | 1975 | $5,700 | Very Low |
| Jo Daviess County | 9 | 1976 | $5,250 | Relatively Low |
| Johnson County | 7 | 1985 | $5,250 | Relatively Low |
| Kane County | 21 | 1984 | $6,200 | Relatively High |
| Kankakee County | 16 | 1971 | $5,800 | Relatively Moderate |
| Kendall County | 8 | 2001 | $6,200 | Relatively Moderate |
| Knox County | 16 | 1956 | $5,250 | Relatively Low |
| LaSalle County | 26 | 1963 | $5,250 | Relatively Moderate |
| Lake County | 28 | 1982 | $6,200 | Relatively High |
| Lawrence County | 4 | 1963 | $5,250 | Relatively Low |
| Lee County | 13 | 1962 | $5,250 | Relatively Low |
| Livingston County | 17 | 1961 | $5,250 | Relatively Moderate |
| Logan County | 14 | 1964 | $5,250 | Relatively Low |
| Macon County | 16 | 1964 | $5,300 | Relatively Moderate |
| Macoupin County | 18 | 1966 | $5,700 | Relatively Low |
| Madison County | 27 | 1970 | $5,700 | Relatively Moderate |
| Marion County | 10 | 1973 | $5,250 | Relatively Low |
| Marshall County | 8 | 1962 | $5,450 | Relatively Low |
| Mason County | 8 | 1962 | $5,250 | Relatively Low |
| Massac County | 5 | 1975 | $5,150 | Relatively Low |
| McDonough County | 10 | 1966 | $5,250 | Very Low |
| McHenry County | 18 | 1989 | $6,200 | Relatively Moderate |
| McLean County | 24 | 1981 | $5,600 | Relatively Moderate |
| Menard County | 5 | 1975 | $5,550 | Very Low |
| Mercer County | 13 | 1960 | $5,350 | Very Low |
| Monroe County | 8 | 1990 | $5,700 | Very Low |
| Montgomery County | 16 | 1963 | $5,250 | Relatively Low |
| Morgan County | 9 | 1966 | $5,250 | Relatively Low |
| Moultrie County | 5 | 1967 | $5,250 | Relatively Low |
| Ogle County | 17 | 1972 | $5,250 | Relatively Moderate |
| Peoria County | 25 | 1966 | $5,450 | Relatively Moderate |
| Perry County | 6 | 1973 | $5,250 | Relatively Low |
| Piatt County | 11 | 1972 | $5,550 | Relatively Low |
| Pike County | 15 | 1960 | $5,250 | Very Low |
| Pope County | 5 | 1989 | $5,250 | Very Low |
| Pulaski County | 7 | 1968 | $5,250 | Very Low |
| Putnam County | 7 | 1975 | $5,250 | Very Low |
| Randolph County | 11 | 1972 | $5,250 | Relatively Low |
| Richland County | 6 | 1973 | $5,250 | Relatively Low |
| Rock Island County | 16 | 1962 | $5,350 | Relatively Moderate |
| Saline County | 6 | 1970 | $5,250 | Relatively Low |
| Sangamon County | 25 | 1973 | $5,550 | Relatively Moderate |
| Schuyler County | 6 | 1971 | $5,250 | Very Low |
| Scott County | 4 | 1962 | $5,250 | Very Low |
| Shelby County | 13 | 1965 | $5,250 | Relatively Low |
| St. Clair County | 27 | 1975 | $5,700 | Relatively High |
| Stark County | 5 | 1956 | $5,450 | Very Low |
| Stephenson County | 14 | 1959 | $5,250 | Relatively Moderate |
| Tazewell County | 16 | 1969 | $5,450 | Relatively Moderate |
| Union County | 7 | 1975 | $5,250 | Relatively Low |
| Vermilion County | 24 | 1958 | $5,250 | Relatively Moderate |
| Wabash County | 4 | 1967 | $5,250 | Very Low |
| Warren County | 8 | 1956 | $5,250 | Very Low |
| Washington County | 10 | 1970 | $5,250 | Relatively Low |
| Wayne County | 12 | 1973 | $5,250 | Relatively Low |
| White County | 10 | 1961 | $5,250 | Relatively Low |
| Whiteside County | 12 | 1960 | $5,250 | Relatively Low |
| Will County | 30 | 1992 | $6,200 | Relatively High |
| Williamson County | 12 | 1981 | $5,250 | Relatively Low |
| Winnebago County | 20 | 1971 | $5,550 | Relatively High |
| Woodford County | 12 | 1973 | $5,450 | Relatively Low |
Largest Cities
- Chicago
- Aurora
- Joliet
- Naperville
- Rockford
- Elgin
- Springfield
- Peoria
- Waukegan
- Champaign
- Cicero
- Bloomington
- Schaumburg
- Evanston
- Arlington Heights
- Bolingbrook
- Decatur
- Palatine
- Skokie
- Des Plaines
- Orland Park
- Oak Lawn
- Berwyn
- Mount Prospect
- Tinley Park
- Wheaton
- Oak Park
- Hoffman Estates
- Downers Grove
- Glenview
- Plainfield
- Elmhurst
- Lombard
- Buffalo Grove
- Moline
- Romeoville
- Bartlett
- Crystal Lake
- Carol Stream
- Park Ridge