Mold Removal Cost And Risk In Lake County, MT

A typical professional mold job in Lake County runs about $1,350 to $5,500 before rebuild, using the Montana nonmetro price level. Below are the 12 ZIP code neighborhoods, the age of the homes, FEMA's water hazard ratings and Montana rules.

1986Median year homes were built

43%Homes built before 1980

26%Homes rented, not owned

$369,200Median home value

16,457Housing units

32,073People

Housing figures from Census ACS 2019 to 2023.

Half the homes in Lake County were built before 1986, and 43 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 26 percent of homes in Lake County are rented, so most households here carry an owner's policy on the building itself.

Housing age swings by neighborhood. ZIP 59863 has the oldest homes here, a median year of 1974, and ZIP 59911 the newest, 1994.

Typical Prices In Lake County

JobSizeNational RangeLake County Estimate
Mold Remediationa typical professional job$1,500 to $6,000$1,350 to $5,500
Mold Remediationan attic$2,000 to $7,500$1,850 to $6,850
Mold Inspection and Testinga visual inspection$200 to $600$200 to $550
Mold Inspection and Testingan inspection with samples$300 to $1,000$250 to $900
Mold Inspection and Testinga clearance test$300 to $800$250 to $750

Estimate is the national range times 91.6 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 $5,500, that cap falls short by about $500 at the top of that range. Read the form

Water Hazards FEMA Rates Here

FEMA rates Lake County high for 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 Low
Coastal floodingNot Applicable
HurricaneNot Applicable
Cold waveRelatively Moderate
Winter weatherRelatively High

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

ZIP Code Neighborhoods In Lake County

ZIPAreaMedian Year BuiltBuilt Before 1980Median Home Value
59824Lake County197951%$325,000
59855Pablo198634%$127,200
59860Lake County198445%$386,100
59863Lake County197491%Not published
59864Lake County198544%$271,700
59865Lake County198247%$310,400
59910Lake County199323%$606,200
59911Lake County199428%$608,000
59914Lake County198246%$937,500
59915Lake County199029%Not published
59929Lake County198547%$252,800
59931Lake County198735%$1,015,600

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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