Mold, Insurance And Removal Costs In Michigan
Michigan has 83 counties and 982 ZIP code neighborhoods on this guide. At the statewide price level a typical professional mold job runs about $1,450 to $5,750 before rebuild.
1972Median year homes were built
62%Homes built before 1980
27%Homes rented, not owned
$217,600Median home value
4,599,683Housing units
10,051,595People
Half the homes in Michigan were built before 1972, 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 Gogebic County (1954), Wayne County (1956), Houghton County (1959), Calhoun County (1961), Bay County (1962).
FEMA rates inland flooding high in 4 of 83 Michigan counties. Source FEMA National Risk Index, December 2025.
Michigan Rules On Mold
Michigan Mold And Insurance Rules
- Michigan has no laws just about mold in homes, but building and health codes still apply. MDHHS Mold And Homeowners
- Insurance may cover the cause of mold, like a broken pipe, and then may cover the water damage repairs. MDHHS Mold And Homeowners
- Tell your insurer you have water damage and ask what coverage you have. Be careful calling it a flood. DIFS Severe Weather Tips 2026
Every Michigan County
| County | ZIP Codes | Median Year Built | Typical Job Up To | Inland Flood Risk |
|---|---|---|---|---|
| Alcona County | 10 | 1974 | $5,350 | Relatively Low |
| Alger County | 9 | 1973 | $5,350 | Very Low |
| Allegan County | 15 | 1981 | $5,350 | Relatively Moderate |
| Alpena County | 4 | 1968 | $5,350 | Relatively Low |
| Antrim County | 11 | 1979 | $5,350 | Relatively Low |
| Arenac County | 6 | 1977 | $5,350 | Relatively Low |
| Baraga County | 6 | 1973 | $5,350 | Very Low |
| Barry County | 8 | 1976 | $5,750 | Relatively Low |
| Bay County | 9 | 1962 | $5,500 | Relatively Moderate |
| Benzie County | 8 | 1985 | $5,600 | Relatively Low |
| Berrien County | 22 | 1966 | $5,550 | Relatively Moderate |
| Branch County | 6 | 1969 | $5,350 | Relatively Low |
| Calhoun County | 12 | 1961 | $5,450 | Relatively Moderate |
| Cass County | 7 | 1972 | $5,550 | Relatively Low |
| Charlevoix County | 5 | 1982 | $5,350 | Very Low |
| Cheboygan County | 6 | 1980 | $5,350 | Relatively Moderate |
| Chippewa County | 15 | 1976 | $5,350 | Relatively Low |
| Clare County | 5 | 1976 | $5,350 | Relatively Low |
| Clinton County | 10 | 1981 | $5,700 | Relatively Low |
| Crawford County | 2 | 1980 | $5,350 | Relatively Low |
| Delta County | 10 | 1968 | $5,350 | Relatively Low |
| Dickinson County | 11 | 1970 | $5,350 | Relatively Low |
| Eaton County | 11 | 1976 | $5,700 | Relatively Low |
| Emmet County | 10 | 1985 | $5,350 | Relatively Low |
| Genesee County | 23 | 1969 | $5,600 | Relatively Moderate |
| Gladwin County | 4 | 1980 | $5,350 | Relatively Low |
| Gogebic County | 6 | 1954 | $5,350 | Very Low |
| Grand Traverse County | 7 | 1986 | $5,600 | Relatively Low |
| Gratiot County | 14 | 1966 | $5,350 | Relatively Low |
| Hillsdale County | 13 | 1970 | $5,350 | Relatively Low |
| Houghton County | 18 | 1959 | $5,350 | Relatively Low |
| Huron County | 13 | 1967 | $5,350 | Relatively Low |
| Ingham County | 17 | 1971 | $5,700 | Relatively Moderate |
| Ionia County | 12 | 1972 | $5,750 | Relatively Low |
| Iosco County | 7 | 1972 | $5,350 | Relatively Low |
| Iron County | 6 | 1962 | $5,350 | Very Low |
| Isabella County | 6 | 1983 | $5,350 | Relatively Low |
| Jackson County | 18 | 1966 | $5,500 | Relatively Moderate |
| Kalamazoo County | 18 | 1975 | $5,700 | Relatively Moderate |
| Kalkaska County | 4 | 1980 | $5,600 | Very Low |
| Kent County | 27 | 1976 | $5,750 | Relatively High |
| Keweenaw County | 4 | 1964 | $5,350 | Very Low |
| Lake County | 6 | 1977 | $5,350 | Relatively Low |
| Lapeer County | 12 | 1978 | $6,000 | Relatively Low |
| Leelanau County | 10 | 1987 | $5,600 | Relatively Low |
| Lenawee County | 18 | 1969 | $5,350 | Relatively Low |
| Livingston County | 12 | 1990 | $6,000 | Relatively Moderate |
| Luce County | 2 | 1976 | $5,350 | Very Low |
| Mackinac County | 10 | 1975 | $5,350 | Very Low |
| Macomb County | 36 | 1975 | $6,000 | Relatively High |
| Manistee County | 10 | 1971 | $5,350 | Relatively Low |
| Marquette County | 12 | 1971 | $5,350 | Relatively Low |
| Mason County | 6 | 1976 | $5,350 | Relatively Low |
| Mecosta County | 8 | 1980 | $5,350 | Relatively Low |
| Menominee County | 12 | 1971 | $5,350 | Relatively Low |
| Midland County | 6 | 1975 | $5,500 | Relatively Moderate |
| Missaukee County | 4 | 1980 | $5,350 | Very Low |
| Monroe County | 17 | 1973 | $5,600 | Relatively Moderate |
| Montcalm County | 16 | 1977 | $5,750 | Relatively Low |
| Montmorency County | 2 | 1975 | $5,350 | Relatively Low |
| Muskegon County | 13 | 1968 | $5,550 | Relatively Moderate |
| Newaygo County | 7 | 1978 | $5,350 | Relatively Low |
| Oakland County | 68 | 1975 | $6,000 | Relatively High |
| Oceana County | 8 | 1978 | $5,350 | Relatively Low |
| Ogemaw County | 5 | 1976 | $5,350 | Relatively Low |
| Ontonagon County | 8 | 1962 | $5,350 | Very Low |
| Osceola County | 7 | 1976 | $5,350 | Relatively Low |
| Oscoda County | 5 | 1974 | $5,350 | Very Low |
| Otsego County | 3 | 1981 | $5,350 | Very Low |
| Ottawa County | 16 | 1987 | $5,750 | Relatively Moderate |
| Presque Isle County | 6 | 1972 | $5,350 | Relatively Low |
| Roscommon County | 6 | 1976 | $5,350 | Relatively Low |
| Saginaw County | 19 | 1968 | $5,450 | Relatively Moderate |
| Sanilac County | 18 | 1970 | $5,350 | Relatively Low |
| Schoolcraft County | 4 | 1972 | $5,350 | Very Low |
| Shiawassee County | 12 | 1969 | $5,350 | Relatively Low |
| St. Clair County | 21 | 1975 | $6,000 | Relatively Moderate |
| St. Joseph County | 10 | 1970 | $5,350 | Relatively Low |
| Tuscola County | 13 | 1970 | $5,350 | Relatively Moderate |
| Van Buren County | 14 | 1977 | $5,350 | Relatively Low |
| Washtenaw County | 14 | 1978 | $6,050 | Relatively Moderate |
| Wayne County | 66 | 1956 | $6,000 | Very High |
| Wexford County | 5 | 1979 | $5,350 | Relatively Low |
Largest Cities
- Detroit
- Grand Rapids
- Warren
- Sterling Heights
- Ann Arbor
- Lansing
- Dearborn
- Livonia
- Troy
- Westland
- Farmington Hills
- Flint
- Wyoming
- Rochester Hills
- Southfield
- Kalamazoo
- Novi
- Taylor
- Dearborn Heights
- Pontiac
- St. Clair Shores
- Royal Oak
- Kentwood
- Battle Creek
- Portage
- Roseville
- East Lansing
- Saginaw
- Lincoln Park
- Muskegon
- Eastpointe
- Southgate
- Burton
- Oak Park
- Forest Hills
- Madison Heights
- Allen Park
- Garden City
- Allendale
- Inkster