Mold, Insurance And Removal Costs In Missouri
Missouri has 115 counties and 1,024 ZIP code neighborhoods on this guide. At the statewide price level a typical professional mold job runs about $1,350 to $5,450 before rebuild.
1978Median year homes were built
53%Homes built before 1980
32%Homes rented, not owned
$215,600Median home value
2,809,501Housing units
6,168,181People
Half the homes in Missouri 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 St. Louis city (1938), Atchison County (1957), Worth County (1959), Grundy County (1962), Schuyler County (1963).
FEMA rates inland flooding high in 4 of 115 Missouri counties. Source FEMA National Risk Index, December 2025.
Missouri Rules On Mold
Missouri Mold And Insurance Rules
- Licensing. Missouri does not certify mold testers, and the state health department says mold testing is not a regulated industry there. Mold, Missouri Department of Health and Senior Services
- Missouri has no state or federal limit on what level of mold is safe, so the health department says testing is usually not needed when you can see mold. Mold, Missouri Department of Health and Senior Services
- Renters in Missouri should write to the landlord about a mold problem they cannot fix and keep a copy of the letter. Mold, Missouri Department of Health and Senior Services
Every Missouri County
| County | ZIP Codes | Median Year Built | Typical Job Up To | Inland Flood Risk |
|---|---|---|---|---|
| Adair County | 6 | 1973 | $5,050 | Very Low |
| Andrew County | 10 | 1979 | $5,200 | Very Low |
| Atchison County | 5 | 1957 | $5,050 | Very Low |
| Audrain County | 9 | 1970 | $5,050 | Relatively Low |
| Barry County | 12 | 1985 | $5,050 | Relatively Moderate |
| Barton County | 4 | 1973 | $5,050 | Relatively Low |
| Bates County | 6 | 1977 | $5,550 | Relatively Low |
| Benton County | 5 | 1984 | $5,050 | Relatively Low |
| Bollinger County | 8 | 1979 | $5,150 | Very Low |
| Boone County | 10 | 1991 | $5,350 | Relatively Moderate |
| Buchanan County | 10 | 1964 | $5,200 | Relatively Low |
| Butler County | 7 | 1980 | $5,050 | Relatively Moderate |
| Caldwell County | 7 | 1973 | $5,550 | Very Low |
| Callaway County | 10 | 1988 | $5,300 | Relatively Low |
| Camden County | 10 | 1986 | $5,050 | Relatively Moderate |
| Cape Girardeau County | 11 | 1982 | $5,150 | Relatively Moderate |
| Carroll County | 7 | 1964 | $5,050 | Relatively Low |
| Carter County | 4 | 1984 | $5,050 | Relatively Low |
| Cass County | 13 | 1991 | $5,550 | Relatively Low |
| Cedar County | 3 | 1979 | $5,050 | Very Low |
| Chariton County | 9 | 1969 | $5,050 | Relatively Low |
| Christian County | 13 | 1999 | $5,300 | Relatively Low |
| Clark County | 6 | 1969 | $5,050 | Very Low |
| Clay County | 18 | 1987 | $5,550 | Relatively Moderate |
| Clinton County | 6 | 1978 | $5,550 | Relatively Low |
| Cole County | 6 | 1981 | $5,300 | Relatively Moderate |
| Cooper County | 6 | 1974 | $5,350 | Very Low |
| Crawford County | 9 | 1980 | $5,050 | Relatively Low |
| Dade County | 6 | 1974 | $5,050 | Very Low |
| Dallas County | 7 | 1983 | $5,300 | Relatively Low |
| Daviess County | 8 | 1976 | $5,050 | Relatively Low |
| DeKalb County | 6 | 1982 | $5,200 | Very Low |
| Dent County | 4 | 1979 | $5,050 | Very Low |
| Douglas County | 5 | 1985 | $5,050 | Very Low |
| Dunklin County | 12 | 1971 | $5,050 | Relatively Low |
| Franklin County | 20 | 1984 | $5,700 | Relatively Moderate |
| Gasconade County | 5 | 1974 | $5,050 | Relatively Low |
| Gentry County | 6 | 1973 | $5,050 | Very Low |
| Greene County | 17 | 1982 | $5,300 | Relatively Moderate |
| Grundy County | 4 | 1962 | $5,050 | Very Low |
| Harrison County | 8 | 1969 | $5,050 | Very Low |
| Henry County | 7 | 1979 | $5,050 | Relatively Low |
| Hickory County | 8 | 1981 | $5,050 | Very Low |
| Holt County | 5 | 1968 | $5,050 | Very Low |
| Howard County | 5 | 1972 | $5,350 | Very Low |
| Howell County | 8 | 1983 | $5,050 | Relatively Moderate |
| Iron County | 9 | 1975 | $5,050 | Relatively Low |
| Jackson County | 56 | 1970 | $5,550 | Relatively High |
| Jasper County | 15 | 1985 | $5,150 | Relatively Moderate |
| Jefferson County | 15 | 1986 | $5,700 | Relatively Moderate |
| Johnson County | 8 | 1991 | $5,050 | Relatively Low |
| Knox County | 7 | 1964 | $5,050 | Very Low |
| Laclede County | 5 | 1984 | $5,050 | Relatively Low |
| Lafayette County | 12 | 1974 | $5,550 | Relatively Low |
| Lawrence County | 9 | 1979 | $5,050 | Relatively Low |
| Lewis County | 8 | 1968 | $5,050 | Relatively Low |
| Lincoln County | 9 | 1996 | $5,700 | Relatively Low |
| Linn County | 8 | 1965 | $5,050 | Relatively Low |
| Livingston County | 7 | 1969 | $5,050 | Very Low |
| Macon County | 10 | 1972 | $5,050 | Relatively Low |
| Madison County | 2 | 1977 | $5,050 | Relatively Low |
| Maries County | 7 | 1983 | $5,050 | Very Low |
| Marion County | 6 | 1970 | $5,050 | Relatively Low |
| McDonald County | 10 | 1986 | $5,050 | Relatively Moderate |
| Mercer County | 3 | 1971 | $5,050 | Very Low |
| Miller County | 9 | 1985 | $5,050 | Relatively Low |
| Mississippi County | 5 | 1974 | $5,050 | Very Low |
| Moniteau County | 7 | 1979 | $5,300 | Very Low |
| Monroe County | 6 | 1977 | $5,050 | Very Low |
| Montgomery County | 6 | 1978 | $5,050 | Relatively Low |
| Morgan County | 8 | 1982 | $5,050 | Relatively Moderate |
| New Madrid County | 13 | 1975 | $5,050 | Very Low |
| Newton County | 8 | 1984 | $5,150 | Relatively Moderate |
| Nodaway County | 15 | 1977 | $5,050 | Relatively Low |
| Oregon County | 5 | 1979 | $5,050 | Relatively Low |
| Osage County | 8 | 1979 | $5,300 | Relatively Low |
| Ozark County | 14 | 1979 | $5,050 | Relatively Low |
| Pemiscot County | 9 | 1971 | $5,050 | Very Low |
| Perry County | 6 | 1979 | $5,050 | Very Low |
| Pettis County | 7 | 1974 | $5,050 | Relatively Low |
| Phelps County | 7 | 1984 | $5,050 | Relatively Low |
| Pike County | 9 | 1970 | $5,050 | Relatively Low |
| Platte County | 13 | 1991 | $5,550 | Relatively Low |
| Polk County | 10 | 1987 | $5,300 | Relatively Low |
| Pulaski County | 8 | 1994 | $5,050 | Relatively Low |
| Putnam County | 5 | 1977 | $5,050 | Very Low |
| Ralls County | 4 | 1982 | $5,050 | Very Low |
| Randolph County | 8 | 1974 | $5,050 | Relatively Low |
| Ray County | 7 | 1974 | $5,550 | Relatively Low |
| Reynolds County | 5 | 1975 | $5,050 | Relatively Low |
| Ripley County | 5 | 1983 | $5,050 | Relatively Low |
| Saline County | 10 | 1970 | $5,050 | Relatively Low |
| Schuyler County | 5 | 1963 | $5,050 | Very Low |
| Scotland County | 3 | 1969 | $5,050 | Very Low |
| Scott County | 11 | 1976 | $5,050 | Relatively Low |
| Shannon County | 5 | 1982 | $5,050 | Relatively Low |
| Shelby County | 7 | 1968 | $5,050 | Very Low |
| St. Charles County | 14 | 1994 | $5,700 | Relatively High |
| St. Clair County | 6 | 1977 | $5,050 | Relatively Low |
| St. Francois County | 8 | 1981 | $5,050 | Relatively Low |
| St. Louis County | 42 | 1968 | $5,700 | Relatively High |
| St. Louis city | 18 | 1938 | $5,700 | Relatively High |
| Ste. Genevieve County | 3 | 1981 | $5,050 | Relatively Low |
| Stoddard County | 9 | 1975 | $5,050 | Relatively Low |
| Stone County | 9 | 1992 | $5,050 | Relatively Moderate |
| Sullivan County | 7 | 1965 | $5,050 | Very Low |
| Taney County | 14 | 1995 | $5,050 | Relatively Moderate |
| Texas County | 14 | 1978 | $5,050 | Relatively Low |
| Vernon County | 12 | 1975 | $5,050 | Relatively Low |
| Warren County | 6 | 1996 | $5,700 | Relatively Low |
| Washington County | 10 | 1984 | $5,050 | Relatively Low |
| Wayne County | 11 | 1979 | $5,050 | Relatively Low |
| Webster County | 4 | 1990 | $5,300 | Relatively Low |
| Worth County | 5 | 1959 | $5,050 | Very Low |
| Wright County | 7 | 1979 | $5,050 | Relatively Low |
Largest Cities
- Kansas City
- St. Louis
- Springfield
- Columbia
- Independence
- Lee's Summit
- O'Fallon
- St. Joseph
- Blue Springs
- St. Peters
- Florissant
- Chesterfield
- Cape Girardeau
- Wildwood
- Oakville
- University City
- Ballwin
- Kirkwood
- Maryland Heights
- Grandview
- Hazelwood
- Raymore
- Webster Groves
- Old Jamestown
- Arnold
- Rolla
- Affton
- Creve Coeur
- Ferguson
- Lake St. Louis
- Clayton
- Lemay
- Overland
- St. Ann
- Crestwood
- Town and Country
- Bridgeton
- Bellefontaine Neighbors