Mold, Insurance And Removal Costs In New Hampshire
New Hampshire has 10 counties and 244 ZIP code neighborhoods on this guide. At the statewide price level a typical professional mold job runs about $1,550 to $6,250 before rebuild.
1978Median year homes were built
52%Homes built before 1980
28%Homes rented, not owned
$367,200Median home value
644,253Housing units
1,387,834People
Half the homes in New Hampshire were built before 1978, and 52 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 Coos County (1969), Cheshire County (1972), Sullivan County (1974), Hillsborough County (1977), Merrimack County (1977).
FEMA rates inland flooding high in 0 of 10 New Hampshire counties, and coastal flooding high in 1. Source FEMA National Risk Index, December 2025.
New Hampshire Rules On Mold
New Hampshire Mold And Insurance Rules
- If a New Hampshire home policy limits mold, the mold and cleanup limit must be at least $10,000. N.H. Admin. Rules Ins 5000
- New Hampshire policies cannot exclude liability for mold. A policy may set a mold liability limit of at least $50,000. N.H. Admin. Rules Ins 5000
- A New Hampshire policy cannot set an unfair short deadline to report a mold claim. N.H. Admin. Rules Ins 5000
- Licensing. In New Hampshire, anyone paid to do a home mold assessment must hold a national third party mold certification. RSA 310-A:189-b
Every New Hampshire County
| County | ZIP Codes | Median Year Built | Typical Job Up To | Inland Flood Risk |
|---|---|---|---|---|
| Belknap County | 13 | 1979 | $6,050 | Relatively Low |
| Carroll County | 29 | 1981 | $6,050 | Relatively Moderate |
| Cheshire County | 24 | 1972 | $6,050 | Relatively Moderate |
| Coos County | 14 | 1969 | $6,050 | Relatively Moderate |
| Grafton County | 36 | 1980 | $6,050 | Relatively Moderate |
| Hillsborough County | 34 | 1977 | $6,350 | Relatively Moderate |
| Merrimack County | 28 | 1977 | $6,050 | Relatively Moderate |
| Rockingham County | 35 | 1982 | $6,500 | Relatively Moderate |
| Strafford County | 16 | 1978 | $6,500 | Relatively Moderate |
| Sullivan County | 15 | 1974 | $6,050 | Relatively Low |