Mold, Insurance And Removal Costs In Minnesota
Minnesota has 87 counties and 873 ZIP code neighborhoods on this guide. At the statewide price level a typical professional mold job runs about $1,500 to $5,900 before rebuild.
1978Median year homes were built
53%Homes built before 1980
28%Homes rented, not owned
$305,500Median home value
2,519,538Housing units
5,713,716People
Half the homes in Minnesota were built before 1978, and 53 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 Lac qui Parle County (1950), Faribault County (1952), Jackson County (1956), Yellow Medicine County (1956), Big Stone County (1957).
FEMA rates inland flooding high in 2 of 87 Minnesota counties. Source FEMA National Risk Index, December 2025.
Minnesota Rules On Mold
Minnesota Mold And Insurance Rules
- Licensing of mold investigators or remediators is not done by Minnesota or any federal agency. MDH Mold And Moisture
- Landlords must keep rentals fit to live in and in good repair under state law. Few laws name mold directly. MDH Mold In Rental Housing
- Tenants should report ongoing problems in writing and ask for repairs within 14 days. MDH Mold In Rental Housing
Every Minnesota County
| County | ZIP Codes | Median Year Built | Typical Job Up To | Inland Flood Risk |
|---|---|---|---|---|
| Aitkin County | 9 | 1982 | $5,150 | Relatively Low |
| Anoka County | 14 | 1985 | $6,300 | Relatively Moderate |
| Becker County | 10 | 1980 | $5,150 | Relatively Low |
| Beltrami County | 12 | 1986 | $5,150 | Relatively Low |
| Benton County | 4 | 1985 | $5,250 | Relatively Low |
| Big Stone County | 7 | 1957 | $5,150 | Very Low |
| Blue Earth County | 12 | 1977 | $5,450 | Relatively Low |
| Brown County | 6 | 1961 | $5,150 | Relatively Low |
| Carlton County | 11 | 1974 | $5,350 | Relatively Low |
| Carver County | 12 | 1995 | $6,300 | Relatively Low |
| Cass County | 13 | 1990 | $5,150 | Relatively Low |
| Chippewa County | 5 | 1957 | $5,150 | Relatively Low |
| Chisago County | 9 | 1992 | $6,300 | Relatively Low |
| Clay County | 12 | 1981 | $5,450 | Relatively Moderate |
| Clearwater County | 6 | 1980 | $5,150 | Very Low |
| Cook County | 6 | 1986 | $5,150 | Very Low |
| Cottonwood County | 6 | 1961 | $5,150 | Very Low |
| Crow Wing County | 12 | 1987 | $5,150 | Relatively Moderate |
| Dakota County | 19 | 1988 | $6,300 | Relatively Moderate |
| Dodge County | 6 | 1979 | $5,450 | Very Low |
| Douglas County | 8 | 1985 | $5,150 | Relatively Low |
| Faribault County | 9 | 1952 | $5,150 | Relatively Low |
| Fillmore County | 11 | 1966 | $5,450 | Relatively Low |
| Freeborn County | 12 | 1959 | $5,150 | Relatively Low |
| Goodhue County | 10 | 1974 | $5,150 | Relatively Low |
| Grant County | 7 | 1964 | $5,150 | Very Low |
| Hennepin County | 66 | 1973 | $6,300 | Relatively High |
| Houston County | 7 | 1970 | $5,500 | Relatively Low |
| Hubbard County | 5 | 1985 | $5,150 | Relatively Low |
| Isanti County | 5 | 1988 | $6,300 | Relatively Low |
| Itasca County | 23 | 1979 | $5,150 | Relatively Moderate |
| Jackson County | 6 | 1956 | $5,150 | Very Low |
| Kanabec County | 4 | 1983 | $5,150 | Very Low |
| Kandiyohi County | 11 | 1977 | $5,150 | Relatively Low |
| Kittson County | 9 | 1967 | $5,150 | Very Low |
| Koochiching County | 11 | 1973 | $5,150 | Relatively Low |
| Lac qui Parle County | 5 | 1950 | $5,150 | Very Low |
| Lake County | 8 | 1970 | $5,150 | Very Low |
| Lake of the Woods County | 4 | 1986 | $5,150 | Very Low |
| Le Sueur County | 9 | 1973 | $6,300 | Very Low |
| Lincoln County | 6 | 1960 | $5,150 | Very Low |
| Lyon County | 9 | 1971 | $5,150 | Relatively Low |
| Mahnomen County | 5 | 1975 | $5,150 | Very Low |
| Marshall County | 9 | 1971 | $5,150 | Very Low |
| Martin County | 11 | 1958 | $5,150 | Relatively Low |
| McLeod County | 8 | 1979 | $5,150 | Relatively Low |
| Meeker County | 7 | 1975 | $5,150 | Relatively Low |
| Mille Lacs County | 7 | 1982 | $6,300 | Relatively Low |
| Morrison County | 10 | 1978 | $5,150 | Relatively Moderate |
| Mower County | 15 | 1957 | $5,150 | Relatively Moderate |
| Murray County | 8 | 1963 | $5,150 | Very Low |
| Nicollet County | 5 | 1979 | $5,450 | Relatively Low |
| Nobles County | 10 | 1968 | $5,150 | Relatively Low |
| Norman County | 9 | 1961 | $5,150 | Very Low |
| Olmsted County | 10 | 1987 | $5,450 | Relatively Moderate |
| Otter Tail County | 20 | 1978 | $5,150 | Relatively Moderate |
| Pennington County | 3 | 1975 | $5,150 | Relatively Low |
| Pine County | 11 | 1984 | $5,150 | Relatively Low |
| Pipestone County | 6 | 1958 | $5,150 | Very Low |
| Polk County | 16 | 1971 | $5,200 | Relatively Low |
| Pope County | 8 | 1971 | $5,150 | Relatively Low |
| Ramsey County | 19 | 1965 | $6,300 | Relatively High |
| Red Lake County | 4 | 1969 | $5,150 | Very Low |
| Redwood County | 14 | 1963 | $5,150 | Relatively Low |
| Renville County | 10 | 1958 | $5,150 | Relatively Low |
| Rice County | 8 | 1977 | $5,150 | Relatively Moderate |
| Rock County | 9 | 1958 | $5,450 | Very Low |
| Roseau County | 7 | 1981 | $5,150 | Relatively Low |
| Scott County | 7 | 1996 | $6,300 | Relatively Moderate |
| Sherburne County | 6 | 1995 | $6,300 | Relatively Low |
| Sibley County | 7 | 1962 | $5,150 | Very Low |
| St. Louis County | 41 | 1962 | $5,350 | Relatively Moderate |
| Stearns County | 25 | 1984 | $5,250 | Relatively Moderate |
| Steele County | 5 | 1975 | $5,150 | Relatively Low |
| Stevens County | 5 | 1967 | $5,150 | Very Low |
| Swift County | 6 | 1959 | $5,150 | Relatively Low |
| Todd County | 11 | 1974 | $5,150 | Relatively Low |
| Traverse County | 3 | 1963 | $5,150 | Very Low |
| Wabasha County | 8 | 1977 | $5,450 | Relatively Low |
| Wadena County | 4 | 1974 | $5,150 | Very Low |
| Waseca County | 4 | 1970 | $5,150 | Very Low |
| Washington County | 16 | 1992 | $6,300 | Relatively Moderate |
| Watonwan County | 6 | 1961 | $5,150 | Very Low |
| Wilkin County | 7 | 1967 | $5,150 | Very Low |
| Winona County | 8 | 1970 | $5,150 | Relatively Moderate |
| Wright County | 12 | 1994 | $6,300 | Relatively Moderate |
| Yellow Medicine County | 7 | 1956 | $5,150 | Very Low |
Largest Cities
- Minneapolis
- St. Paul
- Rochester
- Bloomington
- Duluth
- Brooklyn Park
- Plymouth
- Woodbury
- Lakeville
- Blaine
- Maple Grove
- St. Cloud
- Eagan
- Burnsville
- Coon Rapids
- Eden Prairie
- Apple Valley
- Minnetonka
- Edina
- St. Louis Park
- Shakopee
- Moorhead
- Maplewood
- Cottage Grove
- Richfield
- Roseville
- Inver Grove Heights
- Brooklyn Center
- Savage
- Fridley
- Chaska
- Oakdale
- Ramsey
- Shoreview
- Rosemount
- Elk River
- Chanhassen
- White Bear Lake
- Champlin
- Columbia Heights