Mold, Insurance And Removal Costs In Kentucky
Kentucky has 120 counties and 760 ZIP code neighborhoods on this guide. At the statewide price level a typical professional mold job runs about $1,350 to $5,400 before rebuild.
1982Median year homes were built
48%Homes built before 1980
32%Homes rented, not owned
$192,300Median home value
2,010,655Housing units
4,510,725People
Half the homes in Kentucky 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.
The counties with the oldest housing are Boyd County (1971), Jefferson County (1971), Nicholas County (1971), Campbell County (1972), Fulton County (1972).
FEMA rates inland flooding high in 3 of 120 Kentucky counties. Source FEMA National Risk Index, December 2025.
Kentucky Rules On Mold
Kentucky Mold And Insurance Rules
- Mold is a typical exclusion in a basic home policy. KDOI Consumer Guide For Young Adults
- Some insurers cap mold from a covered loss at an amount such as $5,000. KDOI Auto And Home Rates Guide
- The state cannot force mold coverage, but insurers must clearly tell you about mold exclusions or limits. KDOI Auto And Home Rates Guide
Every Kentucky County
| County | ZIP Codes | Median Year Built | Typical Job Up To | Inland Flood Risk |
|---|---|---|---|---|
| Adair County | 5 | 1984 | $5,100 | Relatively Low |
| Allen County | 3 | 1988 | $5,400 | Very Low |
| Anderson County | 1 | 1989 | $5,100 | Very Low |
| Ballard County | 6 | 1982 | $5,150 | Very Low |
| Barren County | 6 | 1984 | $5,100 | Relatively Low |
| Bath County | 4 | 1986 | $5,100 | Very Low |
| Bell County | 11 | 1979 | $5,100 | Relatively Moderate |
| Boone County | 7 | 1995 | $5,700 | Relatively Low |
| Bourbon County | 3 | 1977 | $5,550 | Relatively Low |
| Boyd County | 4 | 1971 | $5,300 | Relatively Moderate |
| Boyle County | 4 | 1977 | $5,100 | Relatively Low |
| Bracken County | 3 | 1982 | $5,700 | Very Low |
| Breathitt County | 6 | 1989 | $5,100 | Relatively Moderate |
| Breckinridge County | 13 | 1989 | $5,100 | Relatively Low |
| Bullitt County | 6 | 1992 | $5,600 | Relatively Moderate |
| Butler County | 4 | 1986 | $5,400 | Very Low |
| Caldwell County | 2 | 1974 | $5,100 | Very Low |
| Calloway County | 6 | 1985 | $5,100 | Relatively Low |
| Campbell County | 9 | 1972 | $5,700 | Relatively Low |
| Carlisle County | 3 | 1977 | $5,150 | Very Low |
| Carroll County | 3 | 1983 | $5,100 | Relatively Low |
| Carter County | 6 | 1983 | $5,300 | Relatively Low |
| Casey County | 7 | 1985 | $5,100 | Relatively Low |
| Christian County | 8 | 1984 | $5,450 | Relatively Moderate |
| Clark County | 1 | 1979 | $5,550 | Relatively Low |
| Clay County | 4 | 1987 | $5,100 | Relatively Moderate |
| Clinton County | 1 | 1982 | $5,100 | Relatively Low |
| Crittenden County | 2 | 1975 | $5,100 | Very Low |
| Cumberland County | 1 | 1985 | $5,100 | Relatively Low |
| Daviess County | 5 | 1977 | $5,300 | Relatively Moderate |
| Edmonson County | 6 | 1989 | $5,400 | Very Low |
| Elliott County | 2 | 1988 | $5,100 | Very Low |
| Estill County | 2 | 1980 | $5,100 | Relatively Low |
| Fayette County | 15 | 1983 | $5,550 | Relatively Moderate |
| Fleming County | 4 | 1985 | $5,100 | Relatively Low |
| Floyd County | 31 | 1981 | $5,100 | Relatively High |
| Franklin County | 1 | 1977 | $5,100 | Relatively Low |
| Fulton County | 2 | 1972 | $5,100 | Very Low |
| Gallatin County | 2 | 1992 | $5,700 | Very Low |
| Garrard County | 2 | 1987 | $5,100 | Relatively Low |
| Grant County | 5 | 1990 | $5,700 | Very Low |
| Graves County | 11 | 1978 | $5,100 | Relatively Low |
| Grayson County | 4 | 1988 | $5,100 | Relatively Low |
| Green County | 3 | 1977 | $5,100 | Very Low |
| Greenup County | 7 | 1975 | $5,300 | Relatively Low |
| Hancock County | 3 | 1982 | $5,100 | Relatively Low |
| Hardin County | 10 | 1987 | $5,450 | Relatively Moderate |
| Harlan County | 24 | 1977 | $5,100 | Relatively Moderate |
| Harrison County | 2 | 1979 | $5,100 | Relatively Low |
| Hart County | 8 | 1984 | $5,100 | Relatively Low |
| Henderson County | 5 | 1976 | $5,100 | Relatively Moderate |
| Henry County | 10 | 1977 | $5,600 | Very Low |
| Hickman County | 2 | 1975 | $5,100 | Very Low |
| Hopkins County | 10 | 1977 | $5,100 | Relatively Low |
| Jackson County | 5 | 1992 | $5,100 | Relatively Low |
| Jefferson County | 36 | 1971 | $5,600 | Relatively High |
| Jessamine County | 3 | 1991 | $5,550 | Relatively Low |
| Johnson County | 17 | 1984 | $5,100 | Relatively Moderate |
| Kenton County | 8 | 1974 | $5,700 | Relatively Moderate |
| Knott County | 21 | 1982 | $5,100 | Relatively Moderate |
| Knox County | 15 | 1985 | $5,100 | Relatively Low |
| Larue County | 2 | 1981 | $5,450 | Very Low |
| Laurel County | 5 | 1991 | $5,100 | Relatively Low |
| Lawrence County | 7 | 1987 | $5,300 | Relatively Moderate |
| Lee County | 2 | 1986 | $5,100 | Very Low |
| Leslie County | 16 | 1983 | $5,100 | Relatively Low |
| Letcher County | 24 | 1978 | $5,100 | Relatively Moderate |
| Lewis County | 5 | 1985 | $5,100 | Relatively Low |
| Lincoln County | 4 | 1985 | $5,100 | Relatively Low |
| Livingston County | 7 | 1977 | $5,150 | Very Low |
| Logan County | 5 | 1977 | $5,100 | Relatively Low |
| Lyon County | 2 | 1988 | $5,100 | Very Low |
| Madison County | 3 | 1993 | $5,100 | Relatively Moderate |
| Magoffin County | 3 | 1986 | $5,100 | Relatively Low |
| Marion County | 6 | 1982 | $5,100 | Relatively Low |
| Marshall County | 4 | 1984 | $5,100 | Relatively Low |
| Martin County | 7 | 1984 | $5,100 | Relatively Low |
| Mason County | 4 | 1976 | $5,100 | Relatively Low |
| McCracken County | 3 | 1978 | $5,150 | Relatively Moderate |
| McCreary County | 7 | 1985 | $5,100 | Very Low |
| McLean County | 6 | 1976 | $5,300 | Relatively Low |
| Meade County | 8 | 1990 | $5,600 | Relatively Low |
| Menifee County | 4 | 1990 | $5,100 | Very Low |
| Mercer County | 3 | 1978 | $5,100 | Relatively Low |
| Metcalfe County | 5 | 1986 | $5,100 | Very Low |
| Monroe County | 5 | 1977 | $5,100 | Very Low |
| Montgomery County | 2 | 1985 | $5,100 | Relatively Low |
| Morgan County | 6 | 1990 | $5,100 | Relatively Low |
| Muhlenberg County | 13 | 1978 | $5,100 | Relatively Low |
| Nelson County | 8 | 1990 | $5,600 | Relatively Low |
| Nicholas County | 2 | 1971 | $5,100 | Relatively Low |
| Ohio County | 12 | 1983 | $5,100 | Relatively Low |
| Oldham County | 7 | 1993 | $5,600 | Relatively Low |
| Owen County | 5 | 1990 | $5,100 | Very Low |
| Owsley County | 5 | 1987 | $5,100 | Very Low |
| Pendleton County | 3 | 1981 | $5,700 | Relatively Low |
| Perry County | 19 | 1986 | $5,100 | Relatively Moderate |
| Pike County | 36 | 1985 | $5,100 | Relatively High |
| Powell County | 3 | 1984 | $5,100 | Relatively Low |
| Pulaski County | 7 | 1986 | $5,100 | Relatively Moderate |
| Robertson County | 1 | 1980 | $5,100 | Very Low |
| Rockcastle County | 4 | 1988 | $5,100 | Relatively Low |
| Rowan County | 2 | 1992 | $5,100 | Relatively Low |
| Russell County | 2 | 1989 | $5,100 | Relatively Low |
| Scott County | 3 | 1998 | $5,550 | Relatively Low |
| Shelby County | 5 | 1992 | $5,600 | Relatively Low |
| Simpson County | 1 | 1979 | $5,100 | Very Low |
| Spencer County | 2 | 1998 | $5,600 | Very Low |
| Taylor County | 3 | 1977 | $5,100 | Relatively Low |
| Todd County | 5 | 1983 | $5,100 | Very Low |
| Trigg County | 1 | 1985 | $5,450 | Relatively Low |
| Trimble County | 3 | 1988 | $5,100 | Very Low |
| Union County | 4 | 1975 | $5,100 | Relatively Low |
| Warren County | 8 | 1992 | $5,400 | Relatively Moderate |
| Washington County | 3 | 1983 | $5,100 | Very Low |
| Wayne County | 3 | 1986 | $5,100 | Relatively Low |
| Webster County | 6 | 1977 | $5,100 | Very Low |
| Whitley County | 4 | 1985 | $5,100 | Relatively Low |
| Wolfe County | 3 | 1990 | $5,100 | Relatively Low |
| Woodford County | 2 | 1984 | $5,550 | Relatively Low |