Mold Removal Cost And Risk In St. Joseph County, IN
A typical professional mold job in St. Joseph County runs about $1,400 to $5,550 before rebuild, using the South Bend-Mishawaka, IN-MI price level. Below are the 20 ZIP code neighborhoods, the age of the homes, FEMA's water hazard ratings and Indiana rules.
1968Median year homes were built
65%Homes built before 1980
31%Homes rented, not owned
$179,800Median home value
118,329Housing units
272,574People
Half the homes in St. Joseph County were built before 1968, and 65 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 31 percent of homes in St. Joseph County are rented, so most households here carry an owner's policy on the building itself.
Housing age swings by neighborhood. ZIP 46601 has the oldest homes here, a median year of 1938, and ZIP 46624 the newest, 2002.
Typical Prices In St. Joseph County
| Job | Size | National Range | St. Joseph County Estimate |
|---|---|---|---|
| Mold Remediation | a typical professional job | $1,500 to $6,000 | $1,400 to $5,550 |
| Mold Remediation | an attic | $2,000 to $7,500 | $1,850 to $6,950 |
| Mold Inspection and Testing | a visual inspection | $200 to $600 | $200 to $550 |
| Mold Inspection and Testing | an inspection with samples | $300 to $1,000 | $300 to $950 |
| Mold Inspection and Testing | a clearance test | $300 to $800 | $300 to $750 |
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 St. Joseph County high for cold wave. 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
| Hazard | FEMA Risk Rating |
|---|---|
| Inland flooding | Relatively Moderate |
| Coastal flooding | Not Applicable |
| Hurricane | Very Low |
| Cold wave | Relatively High |
| Winter weather | Relatively Moderate |
ZIP Code Neighborhoods In St. Joseph County
| ZIP | Area | Median Year Built | Built Before 1980 | Median Home Value |
|---|---|---|---|---|
| 46530 | Granger | 1991 | 25% | $316,800 |
| 46536 | St. Joseph County | 1962 | 62% | $208,200 |
| 46544 | St. Joseph County | 1969 | 67% | $151,100 |
| 46545 | St. Joseph County | 1974 | 60% | $174,700 |
| 46552 | St. Joseph County | 1973 | 59% | $211,500 |
| 46554 | St. Joseph County | 1951 | 77% | $189,400 |
| 46556 | Notre Dame | 1996 | 3% | Not published |
| 46561 | St. Joseph County | 1983 | 47% | $208,200 |
| 46595 | St. Joseph County | Not published | 100% | Not published |
| 46601 | South Bend | 1938 | 85% | $131,600 |
| 46613 | South Bend | 1940 | 91% | $71,000 |
| 46614 | St. Joseph County | 1966 | 68% | $174,900 |
| 46615 | South Bend | 1953 | 91% | $127,800 |
| 46616 | South Bend | 1945 | 90% | $136,400 |
| 46617 | South Bend | 1959 | 65% | $231,400 |
| 46619 | St. Joseph County | 1956 | 81% | $98,400 |
| 46624 | St. Joseph County | 2002 | 38% | Not published |
| 46628 | St. Joseph County | 1967 | 64% | $164,500 |
| 46635 | Granger | 1966 | 78% | $193,100 |
| 46637 | St. Joseph County | 1977 | 57% | $192,000 |
Cities And Towns
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