Mold, Insurance And Removal Costs In Nebraska
Nebraska has 93 counties and 580 ZIP code neighborhoods on this guide. At the statewide price level a typical professional mold job runs about $1,350 to $5,400 before rebuild.
1975Median year homes were built
58%Homes built before 1980
34%Homes rented, not owned
$223,800Median home value
855,631Housing units
1,965,926People
Half the homes in Nebraska were built before 1975, and 58 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 Franklin County (1943), Hayes County (1945), Pawnee County (1945), Richardson County (1945), Furnas County (1946).
FEMA rates inland flooding high in 1 of 93 Nebraska counties. Source FEMA National Risk Index, December 2025.
Nebraska Rules On Mold
Nebraska Mold And Insurance Rules
- The Nebraska Department of Insurance says home policies generally do not cover mold or water damage from neglect, leaks or flooding. Homeowners Insurance Guide, Nebraska Department of Insurance
- Licensing. Nebraska does not license mold workers, so the state sets no training or method for mold cleanup. Is Mold Affecting Your Health, Nebraska DHHS
Every Nebraska County
| County | ZIP Codes | Median Year Built | Typical Job Up To | Inland Flood Risk |
|---|---|---|---|---|
| Adams County | 6 | 1966 | $5,200 | Very Low |
| Antelope County | 8 | 1960 | $5,200 | Very Low |
| Arthur County | 1 | 1971 | $5,200 | Very Low |
| Banner County | 1 | 1956 | $5,200 | Very Low |
| Blaine County | 3 | 1959 | $5,200 | Very Low |
| Boone County | 5 | 1954 | $5,200 | Very Low |
| Box Butte County | 2 | 1966 | $5,200 | Very Low |
| Boyd County | 5 | 1950 | $5,200 | Very Low |
| Brown County | 3 | 1962 | $5,200 | Very Low |
| Buffalo County | 11 | 1979 | $5,200 | Relatively Low |
| Burt County | 5 | 1956 | $5,200 | Very Low |
| Butler County | 10 | 1968 | $5,200 | Very Low |
| Cass County | 15 | 1977 | $5,500 | Relatively Low |
| Cedar County | 9 | 1962 | $5,200 | Very Low |
| Chase County | 4 | 1972 | $5,200 | Very Low |
| Cherry County | 11 | 1969 | $5,200 | Very Low |
| Cheyenne County | 5 | 1957 | $5,200 | Very Low |
| Clay County | 10 | 1957 | $5,200 | Very Low |
| Colfax County | 4 | 1970 | $5,200 | Very Low |
| Cuming County | 4 | 1962 | $5,200 | Relatively Low |
| Custer County | 11 | 1958 | $5,200 | Relatively Low |
| Dakota County | 5 | 1974 | $5,200 | Very Low |
| Dawes County | 3 | 1956 | $5,200 | Very Low |
| Dawson County | 6 | 1968 | $5,200 | Relatively Low |
| Deuel County | 2 | 1947 | $5,200 | Very Low |
| Dixon County | 8 | 1951 | $5,200 | Very Low |
| Dodge County | 10 | 1966 | $5,200 | Relatively Low |
| Douglas County | 33 | 1976 | $5,500 | Relatively High |
| Dundy County | 4 | 1953 | $5,200 | Very Low |
| Fillmore County | 8 | 1958 | $5,200 | Very Low |
| Franklin County | 8 | 1943 | $5,200 | Very Low |
| Frontier County | 6 | 1954 | $5,200 | Very Low |
| Furnas County | 7 | 1946 | $5,200 | Very Low |
| Gage County | 13 | 1962 | $5,200 | Very Low |
| Garden County | 3 | 1953 | $5,200 | Very Low |
| Garfield County | 1 | 1973 | $5,200 | Very Low |
| Gosper County | 2 | 1973 | $5,200 | Very Low |
| Grant County | 2 | 1961 | $5,200 | Very Low |
| Greeley County | 4 | 1947 | $5,200 | Very Low |
| Hall County | 6 | 1975 | $5,200 | Relatively Low |
| Hamilton County | 6 | 1972 | $5,200 | Very Low |
| Harlan County | 4 | 1966 | $5,200 | Very Low |
| Hayes County | 2 | 1945 | $5,200 | Very Low |
| Hitchcock County | 3 | 1953 | $5,200 | Very Low |
| Holt County | 9 | 1966 | $5,200 | Very Low |
| Hooker County | 1 | 1959 | $5,200 | Very Low |
| Howard County | 6 | 1966 | $5,200 | Very Low |
| Jefferson County | 8 | 1949 | $5,200 | Very Low |
| Johnson County | 5 | 1953 | $5,200 | Very Low |
| Kearney County | 3 | 1964 | $5,200 | Very Low |
| Keith County | 5 | 1974 | $5,200 | Very Low |
| Keya Paha County | 3 | 1967 | $5,200 | Very Low |
| Kimball County | 3 | 1953 | $5,200 | Very Low |
| Knox County | 8 | 1966 | $5,200 | Very Low |
| Lancaster County | 36 | 1981 | $5,500 | Relatively Moderate |
| Lincoln County | 9 | 1969 | $5,200 | Relatively Low |
| Logan County | 1 | 1959 | $5,200 | Very Low |
| Loup County | 1 | 1980 | $5,200 | Very Low |
| Madison County | 5 | 1974 | $5,200 | Relatively Low |
| McPherson County | 1 | 1957 | $5,200 | Very Low |
| Merrick County | 6 | 1968 | $5,200 | Relatively Low |
| Morrill County | 4 | 1958 | $5,200 | Very Low |
| Nance County | 3 | 1950 | $5,200 | Very Low |
| Nemaha County | 6 | 1955 | $5,200 | Very Low |
| Nuckolls County | 7 | 1947 | $5,200 | Very Low |
| Otoe County | 11 | 1967 | $5,200 | Very Low |
| Pawnee County | 6 | 1945 | $5,200 | Very Low |
| Perkins County | 4 | 1951 | $5,200 | Very Low |
| Phelps County | 5 | 1966 | $5,200 | Very Low |
| Pierce County | 4 | 1959 | $5,200 | Very Low |
| Platte County | 8 | 1973 | $5,200 | Relatively Low |
| Polk County | 5 | 1963 | $5,200 | Very Low |
| Red Willow County | 5 | 1959 | $5,200 | Very Low |
| Richardson County | 8 | 1945 | $5,200 | Very Low |
| Rock County | 2 | 1967 | $5,200 | Very Low |
| Saline County | 7 | 1965 | $5,200 | Relatively Low |
| Sarpy County | 12 | 1995 | $5,500 | Relatively Moderate |
| Saunders County | 14 | 1973 | $5,500 | Very Low |
| Scotts Bluff County | 5 | 1968 | $5,200 | Relatively Low |
| Seward County | 10 | 1970 | $5,500 | Very Low |
| Sheridan County | 6 | 1950 | $5,200 | Very Low |
| Sherman County | 5 | 1962 | $5,200 | Very Low |
| Sioux County | 5 | 1953 | $5,200 | Very Low |
| Stanton County | 2 | 1971 | $5,200 | Very Low |
| Thayer County | 11 | 1952 | $5,200 | Very Low |
| Thomas County | 2 | 1957 | $5,200 | Very Low |
| Thurston County | 7 | 1971 | $5,200 | Very Low |
| Valley County | 4 | 1954 | $5,200 | Very Low |
| Washington County | 6 | 1978 | $5,500 | Very Low |
| Wayne County | 4 | 1967 | $5,200 | Very Low |
| Webster County | 5 | 1950 | $5,200 | Very Low |
| Wheeler County | 2 | 1973 | $5,200 | Very Low |
| York County | 6 | 1964 | $5,200 | Very Low |