Mold, Insurance And Removal Costs In New Jersey
New Jersey has 21 counties and 592 ZIP code neighborhoods on this guide. At the statewide price level a typical professional mold job runs about $1,650 to $6,550 before rebuild.
1969Median year homes were built
64%Homes built before 1980
36%Homes rented, not owned
$427,600Median home value
3,775,842Housing units
9,267,014People
Half the homes in New Jersey were built before 1969, and 64 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 Passaic County (1956), Union County (1956), Essex County (1958), Bergen County (1959), Salem County (1963).
FEMA rates inland flooding high in 13 of 21 New Jersey counties, and coastal flooding high in 10. Source FEMA National Risk Index, December 2025.
New Jersey Rules On Mold
New Jersey Mold And Insurance Rules
- New Jersey asks insurers to offer mold coverage of $10,000, with higher limits of $25,000 and $50,000 available. NJ DOBI Bulletin 02-14
- Mold liability coverage in New Jersey should apply up to at least $50,000. NJ DOBI Bulletin 02-14
- Licensing. New Jersey has no rules for mold inspections, and mold inspectors do not need a license or certification. After a flood, cleaning and mold removal, NJ Department of Health
- New Jersey's health guide says a homeowner can often clean mold areas under 10 square feet. Mold Guidelines for New Jersey Residents
All New Jersey Mold And Insurance Rules lines
New Jersey Department of Banking and Insurance
- New Jersey Bulletin 02-14 says mold property coverage should be offered at 10,000 dollars a year, with 25,000 and 50,000 dollar options. Bulletin No. 02-14 Mold/Fungus Exclusion Guidelines
- The same bulletin says mold liability coverage should apply up to at least 50,000 dollars, with up to 100,000 dollars on request. Bulletin No. 02-14 Mold/Fungus Exclusion Guidelines
Every New Jersey County
| County | ZIP Codes | Median Year Built | Typical Job Up To | Inland Flood Risk |
|---|---|---|---|---|
| Atlantic County | 25 | 1977 | $5,950 | Relatively Moderate |
| Bergen County | 66 | 1959 | $6,750 | Relatively High |
| Burlington County | 33 | 1977 | $6,150 | Relatively High |
| Camden County | 33 | 1966 | $6,150 | Relatively High |
| Cape May County | 16 | 1980 | $5,950 | Relatively Moderate |
| Cumberland County | 18 | 1968 | $5,750 | Relatively Low |
| Essex County | 31 | 1958 | $6,750 | Relatively High |
| Gloucester County | 25 | 1979 | $6,150 | Relatively Moderate |
| Hudson County | 16 | 1965 | $6,750 | Relatively High |
| Hunterdon County | 19 | 1979 | $6,750 | Relatively Moderate |
| Mercer County | 22 | 1967 | $6,200 | Relatively High |
| Middlesex County | 36 | 1973 | $6,750 | Relatively High |
| Monmouth County | 49 | 1975 | $6,750 | Relatively High |
| Morris County | 49 | 1971 | $6,750 | Relatively High |
| Ocean County | 29 | 1981 | $6,750 | Relatively High |
| Passaic County | 27 | 1956 | $6,750 | Relatively High |
| Salem County | 11 | 1963 | $6,150 | Relatively Low |
| Somerset County | 27 | 1982 | $6,750 | Relatively High |
| Sussex County | 19 | 1972 | $6,750 | Relatively Moderate |
| Union County | 26 | 1956 | $6,750 | Relatively High |
| Warren County | 15 | 1972 | $6,000 | Relatively Moderate |
Largest Cities
- Newark
- Jersey City
- Paterson
- Elizabeth
- Toms River
- Trenton
- Clifton
- Camden
- Bayonne
- Passaic
- East Orange
- Union City
- Vineland
- Hoboken
- New Brunswick
- Perth Amboy
- Plainfield
- West New York
- Hackensack
- Sayreville
- Sicklerville
- Linden
- Kearny
- Fort Lee
- Atlantic City
- Fair Lawn
- Garfield
- Long Branch
- Westfield
- Princeton
- Rahway
- Englewood
- Bergenfield
- Paramus
- Ridgewood
- Lodi
- Cliffside Park
- Carteret
- South Plainfield
- Glassboro