Mold, Insurance And Removal Costs In Indiana
Indiana has 92 counties and 786 ZIP code neighborhoods on this guide. At the statewide price level a typical professional mold job runs about $1,400 to $5,600 before rebuild.
1976Median year homes were built
56%Homes built before 1980
30%Homes rented, not owned
$201,600Median home value
2,953,344Housing units
6,811,752People
Half the homes in Indiana were built before 1976, and 56 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 Benton County (1952), Rush County (1954), Cass County (1955), Randolph County (1957), Clinton County (1958).
FEMA rates inland flooding high in 3 of 92 Indiana counties. Source FEMA National Risk Index, December 2025.
Indiana Rules On Mold
Indiana Mold And Insurance Rules
- Sewer and drain backup coverage, when you have it, is often capped below $5,000 and usually leaves out flood backup. IDOI Flood Insurance Consumer Alert
- Remove wet items right away. Mold can grow in 24 to 48 hours. IDOI Flood Insurance Consumer Alert
- Indiana's seller disclosure form asks about moisture problems, which may warn a buyer about mold. Indiana Department Of Health Indoor Air Laws
- The state health department notes more insurers now exclude mold from policies. Indiana Department Of Health Indoor Air Laws
Every Indiana County
| County | ZIP Codes | Median Year Built | Typical Job Up To | Inland Flood Risk |
|---|---|---|---|---|
| Adams County | 4 | 1970 | $5,300 | Relatively Low |
| Allen County | 26 | 1976 | $5,550 | Relatively High |
| Bartholomew County | 9 | 1978 | $5,600 | Relatively Moderate |
| Benton County | 4 | 1952 | $5,600 | Very Low |
| Blackford County | 2 | 1959 | $5,300 | Very Low |
| Boone County | 6 | 1994 | $5,750 | Relatively Low |
| Brown County | 4 | 1982 | $5,750 | Relatively Low |
| Carroll County | 7 | 1965 | $5,600 | Relatively Low |
| Cass County | 9 | 1955 | $5,300 | Relatively Low |
| Clark County | 12 | 1981 | $5,600 | Relatively Moderate |
| Clay County | 10 | 1972 | $5,250 | Very Low |
| Clinton County | 7 | 1958 | $5,300 | Very Low |
| Crawford County | 8 | 1985 | $5,300 | Relatively Low |
| Daviess County | 6 | 1974 | $5,300 | Relatively Low |
| DeKalb County | 8 | 1975 | $5,300 | Relatively Low |
| Dearborn County | 7 | 1982 | $5,700 | Relatively Low |
| Decatur County | 5 | 1973 | $5,300 | Relatively Low |
| Delaware County | 11 | 1966 | $5,300 | Relatively Moderate |
| Dubois County | 9 | 1981 | $5,300 | Relatively Low |
| Elkhart County | 11 | 1977 | $5,400 | Relatively Moderate |
| Fayette County | 1 | 1961 | $5,300 | Relatively Low |
| Floyd County | 4 | 1978 | $5,600 | Relatively Moderate |
| Fountain County | 7 | 1964 | $5,300 | Very Low |
| Franklin County | 7 | 1983 | $5,700 | Relatively Low |
| Fulton County | 4 | 1970 | $5,300 | Very Low |
| Gibson County | 12 | 1973 | $5,300 | Relatively Low |
| Grant County | 12 | 1963 | $5,300 | Relatively Moderate |
| Greene County | 10 | 1977 | $5,300 | Relatively Low |
| Hamilton County | 13 | 2000 | $5,750 | Relatively Moderate |
| Hancock County | 7 | 1991 | $5,750 | Relatively Low |
| Harrison County | 12 | 1987 | $5,600 | Relatively Low |
| Hendricks County | 12 | 1997 | $5,750 | Relatively Moderate |
| Henry County | 15 | 1959 | $5,300 | Relatively Low |
| Howard County | 6 | 1968 | $5,400 | Relatively Low |
| Huntington County | 4 | 1964 | $5,300 | Relatively Low |
| Jackson County | 7 | 1978 | $5,300 | Relatively Low |
| Jasper County | 4 | 1983 | $6,200 | Relatively Low |
| Jay County | 6 | 1958 | $5,300 | Relatively Low |
| Jefferson County | 6 | 1972 | $5,300 | Relatively Low |
| Jennings County | 6 | 1982 | $5,300 | Relatively Low |
| Johnson County | 7 | 1992 | $5,750 | Relatively Moderate |
| Knox County | 12 | 1963 | $5,300 | Relatively Low |
| Kosciusko County | 13 | 1979 | $5,300 | Relatively Low |
| LaGrange County | 8 | 1982 | $5,300 | Relatively Low |
| LaPorte County | 12 | 1968 | $5,500 | Relatively Moderate |
| Lake County | 27 | 1968 | $6,200 | Relatively High |
| Lawrence County | 8 | 1975 | $5,300 | Relatively Low |
| Madison County | 14 | 1965 | $5,750 | Relatively Moderate |
| Marion County | 35 | 1972 | $5,750 | Relatively High |
| Marshall County | 8 | 1973 | $5,300 | Relatively Low |
| Martin County | 3 | 1980 | $5,300 | Very Low |
| Miami County | 7 | 1962 | $5,300 | Relatively Low |
| Monroe County | 10 | 1986 | $5,700 | Relatively Moderate |
| Montgomery County | 11 | 1965 | $5,300 | Relatively Low |
| Morgan County | 8 | 1980 | $5,750 | Relatively Low |
| Newton County | 9 | 1971 | $6,200 | Very Low |
| Noble County | 10 | 1975 | $5,300 | Relatively Low |
| Ohio County | 1 | 1977 | $5,700 | Very Low |
| Orange County | 4 | 1978 | $5,300 | Relatively Low |
| Owen County | 7 | 1979 | $5,700 | Relatively Low |
| Parke County | 8 | 1973 | $5,300 | Very Low |
| Perry County | 8 | 1973 | $5,300 | Relatively Low |
| Pike County | 6 | 1973 | $5,300 | Very Low |
| Porter County | 9 | 1981 | $6,200 | Relatively Moderate |
| Posey County | 4 | 1976 | $5,500 | Relatively Low |
| Pulaski County | 6 | 1969 | $5,300 | Very Low |
| Putnam County | 7 | 1979 | $5,300 | Relatively Low |
| Randolph County | 9 | 1957 | $5,300 | Relatively Low |
| Ripley County | 7 | 1977 | $5,300 | Relatively Low |
| Rush County | 9 | 1954 | $5,300 | Very Low |
| Scott County | 3 | 1981 | $5,300 | Very Low |
| Shelby County | 9 | 1971 | $5,750 | Relatively Low |
| Spencer County | 11 | 1979 | $5,300 | Relatively Low |
| St. Joseph County | 20 | 1968 | $5,550 | Relatively Moderate |
| Starke County | 5 | 1973 | $5,300 | Very Low |
| Steuben County | 6 | 1980 | $5,300 | Relatively Low |
| Sullivan County | 9 | 1972 | $5,250 | Very Low |
| Switzerland County | 4 | 1988 | $5,300 | Very Low |
| Tippecanoe County | 12 | 1986 | $5,600 | Relatively Moderate |
| Tipton County | 6 | 1963 | $5,750 | Very Low |
| Union County | 3 | 1968 | $5,300 | Very Low |
| Vanderburgh County | 9 | 1970 | $5,500 | Relatively Moderate |
| Vermillion County | 7 | 1961 | $5,250 | Very Low |
| Vigo County | 11 | 1968 | $5,250 | Relatively Moderate |
| Wabash County | 10 | 1959 | $5,300 | Relatively Low |
| Warren County | 6 | 1971 | $5,600 | Very Low |
| Warrick County | 7 | 1985 | $5,500 | Relatively Low |
| Washington County | 5 | 1982 | $5,600 | Relatively Low |
| Wayne County | 13 | 1960 | $5,300 | Relatively Moderate |
| Wells County | 10 | 1972 | $5,550 | Relatively Low |
| White County | 9 | 1971 | $5,300 | Relatively Low |
| Whitley County | 4 | 1981 | $5,550 | Very Low |
Largest Cities
- Indianapolis city (balance)
- Fort Wayne
- Evansville
- South Bend
- Fishers
- Carmel
- Bloomington
- Hammond
- Lafayette
- Gary
- Muncie
- Kokomo
- Terre Haute
- Anderson
- Elkhart
- Westfield
- Jeffersonville
- Lawrence
- Portage
- Merrillville
- Plainfield
- Zionsville
- Granger
- Hobart
- Schererville
- East Chicago
- Highland
- Munster
- Avon
- Clarksville
- St. John
- Dyer
- Griffith
- Beech Grove
- Lake Station
- Yorktown