Mold Removal Cost And Risk In Clay County, MO

A typical professional mold job in Clay County runs about $1,400 to $5,550 before rebuild, using the Kansas City, MO-KS price level. Below are the 18 ZIP code neighborhoods, the age of the homes, FEMA's water hazard ratings and Missouri rules.

1987Median year homes were built

42%Homes built before 1980

31%Homes rented, not owned

$256,400Median home value

106,689Housing units

255,566People

Housing figures from Census ACS 2019 to 2023. Remediation workers here earn a median $22.97 an hour, BLS May 2025 wage survey.

Half the homes in Clay 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 31 percent of homes in Clay County are rented, so most households here carry an owner's policy on the building itself.

Housing age swings by neighborhood. ZIP 64072 has the oldest homes here, a median year of 1950, and ZIP 64165 the newest, 2012.

Typical Prices In Clay County

JobSizeNational RangeClay County Estimate
Mold Remediationa typical professional job$1,500 to $6,000$1,400 to $5,550
Mold Remediationan attic$2,000 to $7,500$1,850 to $6,950
Mold Inspection and Testinga visual inspection$200 to $600$200 to $550
Mold Inspection and Testingan inspection with samples$300 to $1,000$300 to $950
Mold Inspection and Testinga clearance test$300 to $800$300 to $750

Estimate is the national range times 92.5 divided by 100, the price level for Kansas City, 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 $5,550, that cap falls short by about $550 at the top of that range. Read the form

Water Hazards FEMA Rates Here

FEMA rates Clay 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 Clay County

ZIPAreaMedian Year BuiltBuilt Before 1980Median Home Value
64024Clay County197263%$185,200
64048Clay County198245%$300,400
64060Clay County199721%$322,100
64068Clay County198541%$268,200
64072Missouri City195075%$82,900
64089Clay County199525%$307,200
64116Kansas City197457%$226,600
64117Kansas City196974%$173,500
64118Kansas City197558%$206,200
64119Kansas City197456%$216,300
64155Kansas City199625%$284,500
64156Kansas City20074%$395,000
64157Kansas City20063%$360,800
64158Kansas City20041%$352,300
64161Kansas City195878%$136,700
64165Kansas City20120%Not published
64166Clay County197952%$425,600
64167Clay County197755%$371,900

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

Missouri Rules On Mold

Missouri Mold And Insurance Rules

All Missouri Mold And Insurance Rules lines

All Missouri counties

Guides

Area Map

Clay County Area

Kansas City, MO-KS