Mold Removal Cost And Risk In Jefferson County, KY
A typical professional mold job in Jefferson County runs about $1,400 to $5,600 before rebuild, using the Louisville/Jefferson County, KY-IN price level. Below are the 36 ZIP code neighborhoods, the age of the homes, FEMA's water hazard ratings and Kentucky rules.
1971Median year homes were built
63%Homes built before 1980
38%Homes rented, not owned
$237,200Median home value
357,923Housing units
777,392People
Half the homes in Jefferson County were built before 1971, and 63 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 38 percent of homes in Jefferson County are rented, so most households here carry an owner's policy on the building itself.
Housing age swings by neighborhood. ZIP 40204 has the oldest homes here, a median year of 1938, and ZIP 40041 the newest, 2013.
Typical Prices In Jefferson County
| Job | Size | National Range | Jefferson County Estimate |
|---|---|---|---|
| Mold Remediation | a typical professional job | $1,500 to $6,000 | $1,400 to $5,600 |
| Mold Remediation | an attic | $2,000 to $7,500 | $1,850 to $7,000 |
| 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 $5,600, that cap falls short by about $600 at the top of that range. Read the form
Water Hazards FEMA Rates Here
FEMA rates Jefferson County high for inland flooding, 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
| Hazard | FEMA Risk Rating |
|---|---|
| Inland flooding | Relatively High |
| Coastal flooding | Not Applicable |
| Hurricane | Very Low |
| Cold wave | Relatively High |
| Winter weather | Relatively High |
ZIP Code Neighborhoods In Jefferson County
| ZIP | Area | Median Year Built | Built Before 1980 | Median Home Value |
|---|---|---|---|---|
| 40023 | Louisville/Jefferson County metro government (balance) | 2005 | 6% | $430,200 |
| 40025 | Glenview | 1971 | 71% | $1,201,900 |
| 40041 | Louisville | 2013 | 21% | $592,900 |
| 40118 | Louisville/Jefferson County metro government (balance) | 1969 | 60% | $140,900 |
| 40202 | Louisville | 1965 | 61% | $340,000 |
| 40203 | Louisville | 1947 | 74% | $179,300 |
| 40204 | Louisville | 1938 | 88% | $314,700 |
| 40205 | Louisville | 1945 | 92% | $361,900 |
| 40206 | Louisville | 1958 | 76% | $276,100 |
| 40207 | St. Matthews | 1960 | 78% | $401,500 |
| 40208 | Louisville | 1942 | 82% | $153,100 |
| 40209 | Louisville | 1953 | 86% | $128,200 |
| 40210 | Louisville | 1946 | 88% | $93,400 |
| 40211 | Louisville | 1948 | 78% | $97,900 |
| 40212 | Louisville | 1938 | 92% | $78,100 |
| 40213 | Louisville | 1956 | 88% | $169,000 |
| 40214 | Louisville/Jefferson County metro government (balance) | 1964 | 76% | $176,700 |
| 40215 | Louisville | 1953 | 88% | $106,500 |
| 40216 | Louisville/Jefferson County metro government (balance) | 1963 | 80% | $154,500 |
| 40217 | Louisville | 1944 | 83% | $220,700 |
| 40218 | Louisville/Jefferson County metro government (balance) | 1969 | 73% | $195,600 |
| 40219 | Louisville/Jefferson County metro government (balance) | 1973 | 67% | $186,000 |
| 40220 | Louisville/Jefferson County metro government (balance) | 1974 | 62% | $249,700 |
| 40222 | Louisville/Jefferson County metro government (balance) | 1978 | 54% | $347,000 |
| 40223 | Louisville/Jefferson County metro government (balance) | 1982 | 46% | $343,600 |
| 40228 | Louisville/Jefferson County metro government (balance) | 1990 | 45% | $220,200 |
| 40229 | Louisville/Jefferson County metro government (balance) | 1985 | 46% | $197,300 |
| 40241 | Louisville/Jefferson County metro government (balance) | 1994 | 27% | $349,200 |
| 40242 | Lyndon | 1976 | 61% | $293,200 |
| 40243 | Middletown | 1979 | 52% | $297,900 |
| 40245 | Louisville/Jefferson County metro government (balance) | 2003 | 10% | $432,900 |
| 40258 | Louisville/Jefferson County metro government (balance) | 1969 | 65% | $173,100 |
| 40272 | Louisville/Jefferson County metro government (balance) | 1971 | 65% | $169,700 |
| 40280 | Louisville | Not published | 0% | Not published |
| 40291 | Louisville/Jefferson County metro government (balance) | 1993 | 37% | $264,700 |
| 40299 | Louisville/Jefferson County metro government (balance) | 1992 | 39% | $274,900 |
Cities And Towns
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