Mold Removal Cost And Risk In Otter Tail County, MN

A typical professional mold job in Otter Tail County runs about $1,300 to $5,150 before rebuild, using the Minnesota nonmetro price level. Below are the 20 ZIP code neighborhoods, the age of the homes, FEMA's water hazard ratings and Minnesota rules.

1978Median year homes were built

52%Homes built before 1980

21%Homes rented, not owned

$252,500Median home value

36,669Housing units

60,281People

Housing figures from Census ACS 2019 to 2023.

Half the homes in Otter Tail County were built before 1978, 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. About 21 percent of homes in Otter Tail County are rented, so most households here carry an owner's policy on the building itself.

Housing age swings by neighborhood. ZIP 56453 has the oldest homes here, a median year of 1971, and ZIP 56587 the newest, 1991.

Typical Prices In Otter Tail County

JobSizeNational RangeOtter Tail County Estimate
Mold Remediationa typical professional job$1,500 to $6,000$1,300 to $5,150
Mold Remediationan attic$2,000 to $7,500$1,700 to $6,450
Mold Inspection and Testinga visual inspection$200 to $600$150 to $500
Mold Inspection and Testingan inspection with samples$300 to $1,000$250 to $850
Mold Inspection and Testinga clearance test$300 to $800$250 to $700

Estimate is the national range times 85.9 divided by 100, the price level for the nonmetro part of the state, 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 $5,150, that cap falls short by about $150 at the top of that range. Read the form

Water Hazards FEMA Rates Here

FEMA rates Otter Tail 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

HazardFEMA Risk Rating
Inland floodingRelatively Moderate
Coastal floodingNot Applicable
HurricaneNot Applicable
Cold waveRelatively High
Winter weatherVery High

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

ZIP Code Neighborhoods In Otter Tail County

ZIPAreaMedian Year BuiltBuilt Before 1980Median Home Value
56324Otter Tail County197655%$246,700
56361Otter Tail County197556%$219,800
56453Otter Tail County197169%$113,800
56515Otter Tail County197853%$371,100
56518Otter Tail County197758%$150,000
56524Otter Tail County198050%$285,300
56527Otter Tail County197264%$192,400
56528Otter Tail County198545%$319,800
56533Otter Tail County198246%$165,800
56534Otter Tail County197755%$219,600
56537Otter Tail County197558%$223,000
56551Otter Tail County197359%$224,100
56567Otter Tail County197854%$189,400
56571Otter Tail County198346%$316,900
56572Otter Tail County197952%$291,600
56573Otter Tail County198248%$256,900
56576Otter Tail County197756%$360,800
56586Otter Tail County198248%$283,500
56587Otter Tail County199139%$336,800
56588Otter Tail County197754%$277,100

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.

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