Mold Removal Cost And Risk In Andrew County, MO

A typical professional mold job in Andrew County runs about $1,300 to $5,200 before rebuild, using the St. Joseph, MO-KS price level. Below are the 10 ZIP code neighborhoods, the age of the homes, FEMA's water hazard ratings and Missouri rules.

1979Median year homes were built

51%Homes built before 1980

23%Homes rented, not owned

$196,200Median home value

7,551Housing units

18,086People

Housing figures from Census ACS 2019 to 2023.

Half the homes in Andrew County were built before 1979, and 51 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 23 percent of homes in Andrew County are rented, so most households here carry an owner's policy on the building itself.

Housing age swings by neighborhood. ZIP 64449 has the oldest homes here, a median year of 1957, and ZIP 64421 the newest, 1991.

Typical Prices In Andrew County

JobSizeNational RangeAndrew County Estimate
Mold Remediationa typical professional job$1,500 to $6,000$1,300 to $5,200
Mold Remediationan attic$2,000 to $7,500$1,750 to $6,500
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 86.4 divided by 100, the price level for St. Joseph, MO-KS, 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 $5,200, that cap falls short by about $200 at the top of that range. Read the form

Water Hazards FEMA Rates Here

FEMA rates none of the water hazards below as high for Andrew County.

HazardFEMA Risk Rating
Inland floodingVery Low
Coastal floodingNot Applicable
HurricaneNo Rating
Cold waveRelatively Low
Winter weatherRelatively Low

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

ZIP Code Neighborhoods In Andrew County

ZIPAreaMedian Year BuiltBuilt Before 1980Median Home Value
64421Andrew County199131%$90,000
64427Andrew County196067%$176,600
64436Andrew County197360%$267,900
64449Andrew County195766%$102,900
64459Andrew County197764%$184,700
64480Andrew County196459%$187,500
64483Andrew County196360%$184,600
64485Andrew County197755%$188,700
64494Andrew County196467%$122,200
64505Andrew County196863%$186,000

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.

Missouri Rules On Mold

Missouri Mold And Insurance Rules

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Area Map

Andrew County Area

St. Joseph, MO-KS