Mold, Insurance And Removal Costs In Montana
Montana has 56 counties and 367 ZIP code neighborhoods on this guide. At the statewide price level a typical professional mold job runs about $1,400 to $5,700 before rebuild.
1980Median year homes were built
50%Homes built before 1980
31%Homes rented, not owned
$338,100Median home value
522,939Housing units
1,105,072People
Half the homes in Montana were built before 1980, and 50 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 Deer Lodge County (1954), Silver Bow County (1956), Daniels County (1957), Prairie County (1958), Wheatland County (1960).
FEMA rates inland flooding high in 0 of 56 Montana counties. Source FEMA National Risk Index, December 2025.
Montana Rules On Mold
Montana Mold And Insurance Rules
- Under the Montana Mold Disclosure Act, a seller or landlord who knows a building has mold must tell the buyer or renter before or when the contract is signed. MCA 70-16-703, Montana Mold Disclosure Act
- A Montana seller or landlord who gives the state mold disclosure and shares known test results is shielded from lawsuits over mold in the building. MCA 70-16-703, Montana Mold Disclosure Act
- Montana's health department says mold in a home you own is your job to fix. Mold, Montana DPHHS
- For Montana renters, the landlord must make repairs to keep the home fit to live in. Mold, Montana DPHHS
Every Montana County
| County | ZIP Codes | Median Year Built | Typical Job Up To | Inland Flood Risk |
|---|---|---|---|---|
| Beaverhead County | 8 | 1980 | $5,500 | Relatively Low |
| Big Horn County | 11 | 1976 | $5,500 | Relatively Low |
| Blaine County | 7 | 1972 | $5,500 | Relatively Low |
| Broadwater County | 3 | 1999 | $5,750 | Very Low |
| Carbon County | 10 | 1978 | $5,600 | Relatively Low |
| Carter County | 4 | 1973 | $5,500 | Very Low |
| Cascade County | 15 | 1969 | $5,800 | Relatively Moderate |
| Chouteau County | 7 | 1967 | $5,500 | Relatively Low |
| Custer County | 4 | 1963 | $5,500 | Relatively Low |
| Daniels County | 4 | 1957 | $5,500 | Very Low |
| Dawson County | 4 | 1970 | $5,500 | Very Low |
| Deer Lodge County | 3 | 1954 | $5,500 | Very Low |
| Fallon County | 3 | 1978 | $5,500 | Very Low |
| Fergus County | 9 | 1967 | $5,500 | Relatively Low |
| Flathead County | 14 | 1989 | $5,500 | Relatively Moderate |
| Gallatin County | 8 | 1997 | $6,150 | Relatively Low |
| Garfield County | 6 | 1976 | $5,500 | Very Low |
| Glacier County | 4 | 1975 | $5,500 | Relatively Low |
| Golden Valley County | 2 | 1971 | $5,500 | Very Low |
| Granite County | 4 | 1977 | $5,500 | Very Low |
| Hill County | 7 | 1972 | $5,500 | Relatively Low |
| Jefferson County | 6 | 1989 | $5,750 | Very Low |
| Judith Basin County | 6 | 1968 | $5,500 | Very Low |
| Lake County | 12 | 1986 | $5,500 | Relatively Low |
| Lewis and Clark County | 9 | 1982 | $5,750 | Relatively Low |
| Liberty County | 5 | 1964 | $5,500 | Very Low |
| Lincoln County | 7 | 1982 | $5,500 | Relatively Low |
| Madison County | 12 | 1993 | $5,500 | Very Low |
| McCone County | 4 | 1965 | $5,500 | Very Low |
| Meagher County | 3 | 1973 | $5,500 | Very Low |
| Mineral County | 6 | 1982 | $5,800 | Very Low |
| Missoula County | 14 | 1984 | $5,800 | Relatively Low |
| Musselshell County | 2 | 1975 | $5,500 | Very Low |
| Park County | 9 | 1978 | $5,500 | Relatively Low |
| Petroleum County | 1 | 1978 | $5,500 | Very Low |
| Phillips County | 6 | 1971 | $5,500 | Relatively Low |
| Pondera County | 5 | 1964 | $5,500 | Very Low |
| Powder River County | 7 | 1977 | $5,500 | Very Low |
| Powell County | 7 | 1965 | $5,500 | Very Low |
| Prairie County | 2 | 1958 | $5,500 | Very Low |
| Ravalli County | 9 | 1990 | $5,500 | Relatively Low |
| Richland County | 5 | 1981 | $5,500 | Very Low |
| Roosevelt County | 6 | 1973 | $5,500 | Very Low |
| Rosebud County | 9 | 1979 | $5,500 | Relatively Low |
| Sanders County | 9 | 1989 | $5,500 | Relatively Low |
| Sheridan County | 10 | 1962 | $5,500 | Very Low |
| Silver Bow County | 4 | 1956 | $5,500 | Very Low |
| Stillwater County | 8 | 1985 | $5,600 | Relatively Low |
| Sweet Grass County | 4 | 1979 | $5,500 | Very Low |
| Teton County | 6 | 1961 | $5,500 | Very Low |
| Toole County | 7 | 1969 | $5,500 | Very Low |
| Treasure County | 3 | 1970 | $5,500 | Very Low |
| Valley County | 10 | 1966 | $5,500 | Very Low |
| Wheatland County | 4 | 1960 | $5,500 | Very Low |
| Wibaux County | 1 | 1967 | $5,500 | Very Low |
| Yellowstone County | 12 | 1982 | $5,600 | Relatively Moderate |