Mold, Insurance And Removal Costs In Maryland
Maryland has 24 counties and 461 ZIP code neighborhoods on this guide. At the statewide price level a typical professional mold job runs about $1,550 to $6,300 before rebuild.
1979Median year homes were built
52%Homes built before 1980
32%Homes rented, not owned
$397,700Median home value
2,545,532Housing units
6,170,738People
Half the homes in Maryland were built before 1979, and 52 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 Baltimore city (1948), Allegany County (1958), Baltimore County (1973), Dorchester County (1973), Washington County (1974).
FEMA rates inland flooding high in 4 of 24 Maryland counties, and coastal flooding high in 3. Source FEMA National Risk Index, December 2025.
Maryland Rules On Mold
Maryland Mold And Insurance Rules
- Most Maryland home policies exclude mold. Mold from a covered peril may be covered. MIA Storm Related Damage FAQs
- Mold removal may be covered when a sudden water event like a burst pipe caused it. MIA Storm Related Damage FAQs
- There is often a limit on what the policy pays for mold removal. MIA Storm Related Damage FAQs
- Mold that was there before the covered loss is not covered. MIA Storm Related Damage FAQs
- A 2024 law lets tenants seek relief for mold that is a serious threat to health. Maryland Tenant Safety Act Of 2024
Every Maryland County
| County | ZIP Codes | Median Year Built | Typical Job Up To | Inland Flood Risk |
|---|---|---|---|---|
| Allegany County | 12 | 1958 | $5,600 | Relatively Moderate |
| Anne Arundel County | 36 | 1983 | $6,250 | Relatively Moderate |
| Baltimore County | 42 | 1973 | $6,250 | Relatively High |
| Baltimore city | 20 | 1948 | $6,250 | Relatively High |
| Calvert County | 12 | 1990 | $6,050 | Very Low |
| Caroline County | 8 | 1981 | $5,600 | Very Low |
| Carroll County | 9 | 1983 | $6,250 | Relatively Low |
| Cecil County | 15 | 1987 | $6,150 | Relatively Low |
| Charles County | 21 | 1990 | $6,550 | Relatively Low |
| Dorchester County | 16 | 1973 | $5,600 | Very Low |
| Frederick County | 27 | 1990 | $6,550 | Relatively Moderate |
| Garrett County | 11 | 1981 | $5,600 | Very Low |
| Harford County | 20 | 1986 | $6,250 | Relatively Moderate |
| Howard County | 20 | 1989 | $6,250 | Relatively Moderate |
| Kent County | 9 | 1977 | $5,600 | Very Low |
| Montgomery County | 46 | 1980 | $6,550 | Relatively High |
| Prince George's County | 35 | 1977 | $6,550 | Relatively High |
| Queen Anne's County | 12 | 1988 | $6,250 | Very Low |
| Somerset County | 8 | 1984 | $5,750 | Very Low |
| St. Mary's County | 25 | 1992 | $6,050 | Relatively Low |
| Talbot County | 15 | 1982 | $5,600 | Very Low |
| Washington County | 16 | 1974 | $5,650 | Relatively Moderate |
| Wicomico County | 16 | 1983 | $5,750 | Relatively Low |
| Worcester County | 10 | 1984 | $5,600 | Relatively Low |
Largest Cities
- Baltimore
- Columbia
- Germantown
- Waldorf
- Silver Spring
- Ellicott City
- Glen Burnie
- Gaithersburg
- Bethesda
- Rockville
- Dundalk
- Severn
- Bowie
- Bel Air South
- Towson
- Aspen Hill
- Wheaton
- North Bethesda
- Potomac
- Odenton
- Catonsville
- Essex
- Severna Park
- Clinton
- Olney
- Randallstown
- Chillum
- College Park
- Pikesville
- Montgomery Village
- Milford Mill
- Middle River
- Bel Air North
- Eldersburg
- Crofton
- Laurel
- Perry Hall
- Carney
- South Laurel
- Lochearn