Mold Removal Cost And Risk In Saginaw County, MI
A typical professional mold job in Saginaw County runs about $1,350 to $5,450 before rebuild, using the Saginaw, MI price level. Below are the 19 ZIP code neighborhoods, the age of the homes, FEMA's water hazard ratings and Michigan rules.
1968Median year homes were built
72%Homes built before 1980
26%Homes rented, not owned
$139,400Median home value
86,134Housing units
189,210People
Half the homes in Saginaw County were built before 1968, and 72 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 26 percent of homes in Saginaw County are rented, so most households here carry an owner's policy on the building itself.
Housing age swings by neighborhood. ZIP 48607 has the oldest homes here, a median year of 1938, and ZIP 48623 the newest, 1990.
Typical Prices In Saginaw County
| Job | Size | National Range | Saginaw County Estimate |
|---|---|---|---|
| Mold Remediation | a typical professional job | $1,500 to $6,000 | $1,350 to $5,450 |
| Mold Remediation | an attic | $2,000 to $7,500 | $1,800 to $6,800 |
| 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 | $250 to $900 |
| Mold Inspection and Testing | a clearance test | $300 to $800 | $250 to $750 |
The standard limited fungi endorsement caps mold at $5,000. Against a typical job here of up to $5,450, that cap falls short by about $450 at the top of that range. Read the form
Water Hazards FEMA Rates Here
FEMA rates Saginaw County high for 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 Moderate |
| Coastal flooding | Not Applicable |
| Hurricane | Very Low |
| Cold wave | Relatively High |
| Winter weather | Very High |
ZIP Code Neighborhoods In Saginaw County
| ZIP | Area | Median Year Built | Built Before 1980 | Median Home Value |
|---|---|---|---|---|
| 48415 | Saginaw County | 1974 | 66% | $197,900 |
| 48417 | Saginaw County | 1974 | 67% | $163,700 |
| 48601 | Saginaw County | 1958 | 86% | $54,900 |
| 48602 | Saginaw | 1946 | 94% | $70,200 |
| 48603 | Saginaw County | 1977 | 56% | $181,800 |
| 48604 | Saginaw County | 1964 | 72% | $93,200 |
| 48607 | Saginaw | 1938 | 98% | $44,500 |
| 48609 | Saginaw County | 1977 | 58% | $166,400 |
| 48614 | Saginaw County | 1976 | 57% | $124,700 |
| 48616 | Saginaw County | 1971 | 67% | $153,400 |
| 48623 | Saginaw County | 1990 | 44% | $230,300 |
| 48626 | Saginaw County | 1975 | 65% | $208,600 |
| 48637 | Saginaw County | 1969 | 79% | $140,000 |
| 48638 | Saginaw County | 1972 | 80% | $161,200 |
| 48649 | Saginaw County | 1971 | 61% | $151,500 |
| 48655 | Saginaw County | 1970 | 68% | $157,100 |
| 48722 | Saginaw County | 1968 | 75% | $136,100 |
| 48724 | Saginaw County | 1955 | 100% | $68,100 |
| 48734 | Saginaw County | 1975 | 62% | $285,100 |
Cities And Towns
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