Mold Removal Cost And Risk In New York County, NY

A typical professional mold job in New York County runs about $1,700 to $6,750 before rebuild, using the New York-Newark-Jersey City, NY-NJ price level. Below are the 47 ZIP code neighborhoods, the age of the homes, FEMA's water hazard ratings and New York rules.

1951Median year homes were built

79%Homes built before 1980

75%Homes rented, not owned

$1,108,900Median home value

918,806Housing units

1,627,788People

Housing figures from Census ACS 2019 to 2023. Remediation workers here earn a median $35.61 an hour, BLS May 2025 wage survey.

Half the homes in New York County were built before 1951, and 79 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. Most homes in New York County are rented, 75 percent. A renter's policy covers belongings and liability, while the owner's policy covers the building.

Housing age swings by neighborhood. ZIP 10003 has the oldest homes here, a median year of 1938, and ZIP 10069 the newest, 2005.

Typical Prices In New York County

Job	Size	National Range	New York County Estimate
Mold Remediation	a typical professional job	$1,500 to $6,000	$1,700 to $6,750
Mold Remediation	an attic	$2,000 to $7,500	$2,250 to $8,450
Mold Inspection and Testing	a visual inspection	$200 to $600	$250 to $700
Mold Inspection and Testing	an inspection with samples	$300 to $1,000	$350 to $1,150
Mold Inspection and Testing	a clearance test	$300 to $800	$350 to $900

Estimate is the national range times 112.6 divided by 100, the price level for New York-Newark-Jersey City, NY-NJ, 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 $6,750, that cap falls short by about $1,750 at the top of that range. Read the form

Water Hazards FEMA Rates Here

FEMA rates New York County high for inland flooding, hurricane, cold wave, 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

Hazard	FEMA Risk Rating
Inland flooding	Very High
Coastal flooding	Relatively Moderate
Hurricane	Relatively High
Cold wave	Relatively High
Winter weather	Very High

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

ZIP Code Neighborhoods In New York County

ZIP	Area	Median Year Built	Built Before 1980	Median Home Value
10001	New York	1970	53%	$793,000
10002	New York	1953	83%	$808,500
10003	New York	1938	88%	$1,137,000
10004	New York	1938	62%	$1,866,400
10005	New York	1938	75%	$1,387,200
10006	New York	1938	85%	$1,125,700
10007	New York	1987	38%	$2,000,001
10009	New York	1946	83%	$690,600
10010	New York	1954	81%	$1,037,900
10011	New York	1938	80%	$1,165,800
10012	New York	1938	86%	$1,500,000
10013	New York	1938	78%	$2,000,001
10014	New York	1938	88%	$1,294,200
10016	New York	1967	65%	$928,400
10017	New York	1957	72%	$808,200
10018	New York	2004	34%	$947,100
10019	New York	1968	60%	$1,066,100
10021	New York	1962	82%	$1,529,600
10022	New York	1958	83%	$1,116,700
10023	New York	1953	76%	$1,401,800
10024	New York	1938	87%	$1,746,400
10025	New York	1938	89%	$1,125,200
10026	New York	1949	68%	$1,014,100
10027	New York	1943	82%	$915,000
10028	New York	1957	86%	$1,600,400
10029	New York	1961	82%	$818,100
10030	New York	1938	80%	$810,100
10031	New York	1938	93%	$678,000
10032	New York	1938	90%	$545,500
10033	New York	1938	95%	$709,100
10034	New York	1938	95%	$518,000
10035	New York	1967	68%	$663,500
10036	New York	1984	47%	$988,000
10037	New York	1958	88%	Not published
10038	New York	1966	72%	$865,700
10039	New York	1961	80%	$478,200
10040	New York	1938	95%	$465,700
10044	New York	1980	50%	$1,041,300
10065	New York	1956	88%	$1,368,200
10069	New York	2005	1%	$2,000,001
10075	New York	1956	83%	$1,097,800
10128	New York	1960	76%	$1,295,600
10152	New York	1949	52%	Not published
10162	New York	1966	98%	Not published
10279	New York	Not published	0%	Not published
10280	New York	1985	18%	$893,800
10282	New York	2001	2%	$2,000,001

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.

Cities And Towns

New York

New York Rules On Mold

Who May Do Mold Work

New York licenses mold assessors, mold remediation contractors and mold abatement workers under Article 32 of the state Labor Law. The rules apply to mold jobs larger than 10 square feet. Some owners who do the work on their own homes are exempt.

The same person may not do both the assessment and the remediation on the same property. The assessor writes the plan, a separate licensed contractor does the work, and the assessor checks the result. You can check a license with the Department of Labor’s search for licensed mold contractors.

New York State Department of Labor

New York Mold And Insurance Rules

In New York, mold damage is covered when it comes from a covered event. Homeowner and property FAQs, NY DFS
Many New York policies cap what they pay for mold cleanup. Homeowner and property FAQs, NY DFS
In a 2003 legal opinion, the New York insurance superintendent said no mold exclusions had been approved. NY DFS Office of General Counsel opinion
Licensing. New York requires a state mold license to assess, remediate or abate mold, under Article 32 of the Labor Law. Mold Program, NY Department of Labor
The New York license rules apply to mold jobs larger than 10 square feet. Mold FAQs, NY Department of Labor

All New York Mold And Insurance Rules lines

New York Department of Financial Services

New York says mold damage is covered if it comes from a covered event. Customer Homeowners FAQ
Many New York policies limit how much they pay for mold remediation. Customer Homeowners FAQ
A 2003 New York legal opinion said the state had not approved any mold exclusions at that time. OGC Opinion No. 03-04-04

All New York Department of Financial Services lines

All New York counties