Mold Removal Cost And Risk In Champaign County, IL

A typical professional mold job in Champaign County runs about $1,400 to $5,550 before rebuild, using the Champaign-Urbana, IL price level. Below are the 29 ZIP code neighborhoods, the age of the homes, FEMA's water hazard ratings and Illinois rules.

1982Median year homes were built

48%Homes built before 1980

47%Homes rented, not owned

$205,100Median home value

94,351Housing units

206,098People

Housing figures from Census ACS 2019 to 2023.

Half the homes in Champaign County were built before 1982, and 48 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. About 47 percent of homes in Champaign County are rented, so most households here carry an owner's policy on the building itself.

Housing age swings by neighborhood. ZIP 61851 has the oldest homes here, a median year of 1938, and ZIP 61822 the newest, 1999.

Typical Prices In Champaign County

JobSizeNational RangeChampaign County Estimate
Mold Remediationa typical professional job$1,500 to $6,000$1,400 to $5,550
Mold Remediationan attic$2,000 to $7,500$1,850 to $6,950
Mold Inspection and Testinga visual inspection$200 to $600$200 to $550
Mold Inspection and Testingan inspection with samples$300 to $1,000$300 to $950
Mold Inspection and Testinga clearance test$300 to $800$300 to $750

Estimate is the national range times 92.7 divided by 100, the price level for Champaign-Urbana, IL, rounded to $50. National ranges from Remediational cost guide, price level from BEA Regional Price Parities 2024.

The standard limited fungi endorsement caps mold at $5,000. Against a typical job here of up to $5,550, that cap falls short by about $550 at the top of that range. Read the form

Water Hazards FEMA Rates Here

FEMA rates Champaign County high for cold wave, winter weather. Water from these events is where mold claims start, and flood water is a separate policy. FloodSmart says mold damage is not covered under standard NFIP flood policies. FloodSmart

HazardFEMA Risk Rating
Inland floodingRelatively Moderate
Coastal floodingNot Applicable
HurricaneVery Low
Cold waveRelatively High
Winter weatherRelatively High

Source FEMA National Risk Index, December 2025, county level.

ZIP Code Neighborhoods In Champaign County

ZIPAreaMedian Year BuiltBuilt Before 1980Median Home Value
60949Champaign County195672%$99,300
61801Urbana197458%$184,000
61802Champaign County198641%$158,300
61815Bondville196762%$159,100
61816Champaign County195678%$137,500
61820Champaign198941%$175,900
61821Champaign196875%$174,800
61822Champaign County199915%$264,600
61840Champaign County196669%$269,500
61843Champaign County197459%$184,300
61845Champaign County197654%$171,900
61847Champaign County197951%$178,300
61849Champaign County196670%$156,300
61851Champaign County193895%$136,600
61852Champaign County195591%$262,000
61853Champaign County199526%$281,500
61859Champaign County197361%$174,400
61862Champaign County194572%$133,800
61863Champaign County195588%$179,400
61864Champaign County197057%$203,600
61866Champaign County196677%$111,900
61871Champaign County196277%$144,600
61872Champaign County197163%$172,500
61873Champaign County198944%$246,300
61874Champaign County199525%$274,100
61875Champaign County198049%$270,100
61877Champaign County196666%$200,200
61878Champaign County197666%$115,600
61880Champaign County198150%$227,300

ZIP areas are Census ZIP Code Tabulation Areas, placed in the county that holds most of their land, per the Census 2020 ZIP relationship files.

Cities And Towns

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

All Illinois Department of Insurance lines

All Illinois counties

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Champaign County Area

Champaign-Urbana, IL

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