Mold, Insurance And Removal Costs In Iowa
Iowa has 99 counties and 966 ZIP code neighborhoods on this guide. At the statewide price level a typical professional mold job runs about $1,300 to $5,250 before rebuild.
1971Median year homes were built
62%Homes built before 1980
28%Homes rented, not owned
$195,900Median home value
1,427,175Housing units
3,195,937People
Half the homes in Iowa were built before 1971, and 62 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 Shelby County (1946), Worth County (1949), Audubon County (1950), Page County (1951), Pocahontas County (1951).
FEMA rates inland flooding high in 0 of 99 Iowa counties. Source FEMA National Risk Index, December 2025.
Iowa Rules On Mold
Iowa Mold And Insurance Rules
- Water and sewer backup are not part of a regular home policy. You need special endorsements. Iowa Insurance Division Flood Preparedness
- Flood damage is often left out of home and renter policies. Iowa Insurance Division Flood Preparedness
- The state health agency says mold always starts with water, so fix the water before you clean. Iowa HHS Mold Overview
Every Iowa County
| County | ZIP Codes | Median Year Built | Typical Job Up To | Inland Flood Risk |
|---|---|---|---|---|
| Adair County | 5 | 1958 | $5,050 | Very Low |
| Adams County | 4 | 1954 | $5,050 | Very Low |
| Allamakee County | 8 | 1971 | $5,050 | Relatively Low |
| Appanoose County | 9 | 1964 | $5,050 | Very Low |
| Audubon County | 6 | 1950 | $5,050 | Very Low |
| Benton County | 16 | 1965 | $5,350 | Relatively Low |
| Black Hawk County | 12 | 1966 | $5,200 | Relatively Moderate |
| Boone County | 8 | 1957 | $5,350 | Very Low |
| Bremer County | 8 | 1969 | $5,200 | Very Low |
| Buchanan County | 10 | 1971 | $5,050 | Relatively Low |
| Buena Vista County | 8 | 1963 | $5,050 | Very Low |
| Butler County | 11 | 1956 | $5,050 | Relatively Low |
| Calhoun County | 10 | 1960 | $5,050 | Very Low |
| Carroll County | 11 | 1964 | $5,050 | Relatively Low |
| Cass County | 8 | 1954 | $5,050 | Relatively Low |
| Cedar County | 9 | 1962 | $5,050 | Very Low |
| Cerro Gordo County | 9 | 1959 | $5,050 | Relatively Low |
| Cherokee County | 8 | 1956 | $5,050 | Relatively Low |
| Chickasaw County | 6 | 1965 | $5,050 | Relatively Low |
| Clarke County | 4 | 1975 | $5,050 | Very Low |
| Clay County | 10 | 1966 | $5,050 | Relatively Low |
| Clayton County | 15 | 1962 | $5,050 | Relatively Low |
| Clinton County | 15 | 1958 | $5,050 | Relatively Low |
| Crawford County | 12 | 1963 | $5,050 | Relatively Low |
| Dallas County | 13 | 2005 | $5,500 | Relatively Low |
| Davis County | 4 | 1973 | $5,050 | Very Low |
| Decatur County | 7 | 1968 | $5,050 | Very Low |
| Delaware County | 9 | 1965 | $5,050 | Relatively Low |
| Des Moines County | 8 | 1958 | $5,050 | Relatively Low |
| Dickinson County | 7 | 1978 | $5,050 | Relatively Low |
| Dubuque County | 13 | 1970 | $5,250 | Relatively Low |
| Emmet County | 5 | 1955 | $5,050 | Very Low |
| Fayette County | 15 | 1953 | $5,050 | Relatively Low |
| Floyd County | 7 | 1960 | $5,050 | Relatively Low |
| Franklin County | 11 | 1953 | $5,050 | Very Low |
| Fremont County | 9 | 1957 | $5,050 | Very Low |
| Greene County | 7 | 1954 | $5,050 | Very Low |
| Grundy County | 9 | 1960 | $5,200 | Very Low |
| Guthrie County | 10 | 1969 | $5,500 | Very Low |
| Hamilton County | 9 | 1955 | $5,050 | Relatively Low |
| Hancock County | 9 | 1959 | $5,050 | Very Low |
| Hardin County | 10 | 1954 | $5,050 | Relatively Low |
| Harrison County | 10 | 1952 | $5,500 | Relatively Low |
| Henry County | 8 | 1966 | $5,050 | Very Low |
| Howard County | 6 | 1954 | $5,050 | Very Low |
| Humboldt County | 10 | 1958 | $5,050 | Very Low |
| Ida County | 6 | 1952 | $5,050 | Very Low |
| Iowa County | 12 | 1971 | $5,050 | Very Low |
| Jackson County | 13 | 1967 | $5,050 | Relatively Low |
| Jasper County | 12 | 1966 | $5,500 | Relatively Low |
| Jefferson County | 6 | 1967 | $5,050 | Very Low |
| Johnson County | 13 | 1991 | $5,500 | Relatively Moderate |
| Jones County | 11 | 1969 | $5,350 | Relatively Low |
| Keokuk County | 14 | 1953 | $5,050 | Very Low |
| Kossuth County | 12 | 1961 | $5,050 | Very Low |
| Lee County | 12 | 1959 | $5,050 | Relatively Low |
| Linn County | 22 | 1977 | $5,350 | Relatively Moderate |
| Louisa County | 6 | 1962 | $5,050 | Very Low |
| Lucas County | 5 | 1964 | $5,050 | Very Low |
| Lyon County | 8 | 1965 | $5,050 | Very Low |
| Madison County | 12 | 1977 | $5,500 | Relatively Low |
| Mahaska County | 9 | 1963 | $5,050 | Relatively Low |
| Marion County | 12 | 1975 | $5,050 | Relatively Low |
| Marshall County | 13 | 1958 | $5,050 | Relatively Low |
| Mills County | 7 | 1973 | $5,500 | Very Low |
| Mitchell County | 7 | 1956 | $5,050 | Relatively Low |
| Monona County | 9 | 1955 | $5,050 | Very Low |
| Monroe County | 3 | 1972 | $5,050 | Very Low |
| Montgomery County | 6 | 1955 | $5,050 | Very Low |
| Muscatine County | 9 | 1969 | $5,050 | Relatively Low |
| O'Brien County | 8 | 1959 | $5,050 | Very Low |
| Osceola County | 5 | 1954 | $5,050 | Very Low |
| Page County | 10 | 1951 | $5,050 | Very Low |
| Palo Alto County | 8 | 1957 | $5,050 | Very Low |
| Plymouth County | 11 | 1972 | $5,050 | Relatively Low |
| Pocahontas County | 9 | 1951 | $5,050 | Very Low |
| Polk County | 32 | 1981 | $5,500 | Relatively Moderate |
| Pottawattamie County | 16 | 1967 | $5,500 | Relatively Moderate |
| Poweshiek County | 8 | 1970 | $5,050 | Very Low |
| Ringgold County | 7 | 1972 | $5,050 | Very Low |
| Sac County | 8 | 1955 | $5,050 | Very Low |
| Scott County | 20 | 1972 | $5,350 | Relatively Moderate |
| Shelby County | 10 | 1946 | $5,050 | Very Low |
| Sioux County | 13 | 1972 | $5,050 | Relatively Low |
| Story County | 13 | 1983 | $5,350 | Relatively Low |
| Tama County | 12 | 1956 | $5,050 | Relatively Low |
| Taylor County | 7 | 1952 | $5,050 | Very Low |
| Union County | 6 | 1961 | $5,050 | Very Low |
| Van Buren County | 9 | 1971 | $5,050 | Relatively Low |
| Wapello County | 7 | 1958 | $5,050 | Relatively Low |
| Warren County | 12 | 1984 | $5,500 | Relatively Low |
| Washington County | 7 | 1962 | $5,500 | Relatively Low |
| Wayne County | 8 | 1969 | $5,050 | Very Low |
| Webster County | 14 | 1957 | $5,050 | Relatively Low |
| Winnebago County | 7 | 1961 | $5,050 | Very Low |
| Winneshiek County | 7 | 1960 | $5,050 | Relatively Low |
| Woodbury County | 20 | 1958 | $5,200 | Relatively Moderate |
| Worth County | 7 | 1949 | $5,050 | Very Low |
| Wright County | 8 | 1957 | $5,050 | Relatively Low |