Mold Removal Cost And Risk In Olmsted County, MN

A typical professional mold job in Olmsted County runs about $1,350 to $5,450 before rebuild, using the Rochester, MN price level. Below are the 10 ZIP code neighborhoods, the age of the homes, FEMA's water hazard ratings and Minnesota rules.

1987Median year homes were built

42%Homes built before 1980

29%Homes rented, not owned

$304,500Median home value

70,255Housing units

163,425People

Housing figures from Census ACS 2019 to 2023.

Half the homes in Olmsted County were built before 1987, and 42 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 29 percent of homes in Olmsted County are rented, so most households here carry an owner's policy on the building itself.

Housing age swings by neighborhood. ZIP 55904 has the oldest homes here, a median year of 1977, and ZIP 55920 the newest, 1996.

Typical Prices In Olmsted County

JobSizeNational RangeOlmsted County Estimate
Mold Remediationa typical professional job$1,500 to $6,000$1,350 to $5,450
Mold Remediationan attic$2,000 to $7,500$1,800 to $6,800
Mold Inspection and Testinga visual inspection$200 to $600$200 to $550
Mold Inspection and Testingan inspection with samples$300 to $1,000$250 to $900
Mold Inspection and Testinga clearance test$300 to $800$250 to $750

Estimate is the national range times 90.8 divided by 100, the price level for Rochester, MN, rounded to $50. National ranges from Remediational cost guide, price level from BEA Regional Price Parities 2024.

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 Olmsted County high for cold wave. 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

HazardFEMA Risk Rating
Inland floodingRelatively Moderate
Coastal floodingNot Applicable
HurricaneNo Rating
Cold waveRelatively High
Winter weatherRelatively Moderate

Source FEMA National Risk Index, December 2025, county level.

ZIP Code Neighborhoods In Olmsted County

ZIPAreaMedian Year BuiltBuilt Before 1980Median Home Value
55901Rochester198938%$290,000
55902Olmsted County199433%$430,100
55904Olmsted County197753%$237,200
55906Olmsted County198050%$350,000
55920Olmsted County199628%$356,900
55929Olmsted County198547%$299,600
55932Olmsted County198248%$288,600
55934Olmsted County197952%$300,500
55960Olmsted County198934%$440,400
55976Olmsted County198644%$277,700

ZIP areas are Census ZIP Code Tabulation Areas, placed in the county that holds most of their land, per the Census 2020 ZIP relationship files.

Cities And Towns

Minnesota Rules On Mold

Minnesota Mold And Insurance Rules

All Minnesota Mold And Insurance Rules lines

All Minnesota counties

Guides

Area Map

Olmsted County Area

Rochester, MN