Mold Removal Cost And Risk In Suffolk County, NY

A typical professional mold job in Suffolk County runs about $1,700 to $6,750 before rebuild, using the New York-Newark-Jersey City, NY-NJ price level. Below are the 105 ZIP code neighborhoods, the age of the homes, FEMA's water hazard ratings and New York rules.

1970Median year homes were built

69%Homes built before 1980

18%Homes rented, not owned

$539,500Median home value

579,790Housing units

1,525,680People

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 Suffolk County were built before 1970, and 69 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 18 percent of homes in Suffolk County are rented, so most households here carry an owner's policy on the building itself.

Housing age swings by neighborhood. ZIP 11718 has the oldest homes here, a median year of 1945, and ZIP 11955 the newest, 1996.

Typical Prices In Suffolk County

Job	Size	National Range	Suffolk 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 Suffolk County high for inland flooding, coastal 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	Relatively High
Coastal flooding	Very High
Hurricane	Relatively High
Cold wave	Relatively High
Winter weather	Very High

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

ZIP Code Neighborhoods In Suffolk County

ZIP	Area	Median Year Built	Built Before 1980	Median Home Value
06390	Fishers Island	1954	85%	Not published
11701	Amityville	1970	63%	$489,000
11702	Gilgo	1955	87%	$598,600
11703	North Babylon	1961	86%	$469,900
11704	West Babylon	1962	83%	$485,400
11705	Bayport	1965	78%	$618,300
11706	Bay Shore	1964	76%	$464,300
11713	North Bellport	1976	59%	$474,500
11715	Blue Point	1961	78%	$593,500
11716	Bohemia	1971	68%	$508,500
11718	Brightwaters	1945	91%	$710,600
11719	Brookhaven	1967	72%	$564,600
11720	Centereach	1969	74%	$471,600
11721	Centerport	1958	80%	$704,900
11722	Central Islip	1969	72%	$407,100
11724	Cold Spring Harbor	1961	78%	$1,571,600
11725	Commack	1964	83%	$643,000
11726	Copiague	1967	74%	$451,300
11727	Coram	1979	53%	$410,300
11729	Deer Park	1963	85%	$496,100
11730	East Islip	1958	81%	$577,600
11731	East Northport	1961	90%	$622,100
11733	East Setauket	1969	68%	$653,100
11735	East Farmingdale	1957	82%	$572,000
11738	Farmingville	1972	74%	$455,000
11739	Great River	1963	96%	$840,400
11740	Greenlawn	1964	81%	$686,900
11741	Holbrook	1975	70%	$504,000
11742	Holtsville	1978	55%	$475,600
11743	Lloyd Harbor	1958	82%	$748,200
11746	Dix Hills	1965	79%	$664,900
11747	Melville	1982	48%	$747,900
11749	Islandia	1969	73%	$451,700
11751	Islip	1965	78%	$501,900
11752	North Great River	1965	83%	$482,300
11754	Kings Park	1967	78%	$595,300
11755	Lake Grove	1970	72%	$558,900
11757	Lindenhurst	1958	88%	$479,500
11763	Medford	1976	66%	$435,200
11764	Miller Place	1979	53%	$589,400
11766	Mount Sinai	1984	45%	$632,900
11767	Nesconset	1974	68%	$615,800
11768	Fort Salonga	1961	81%	$779,700
11769	Oakdale	1968	78%	$585,800
11770	Fire Island	1953	83%	$730,800
11772	East Patchogue	1969	71%	$450,600
11776	Terryville	1974	62%	$462,500
11777	Port Jefferson	1971	61%	$655,900
11778	Rocky Point	1964	79%	$410,900
11779	Ronkonkoma	1970	79%	$465,400
11780	St. James	1973	62%	$702,900
11782	Sayville	1965	76%	$614,300
11784	Selden	1968	80%	$435,600
11786	East Shoreham	1974	69%	$539,900
11787	Smithtown	1967	76%	$642,200
11788	Hauppauge	1969	78%	$635,700
11789	Sound Beach	1957	82%	$384,300
11790	Stony Brook	1965	86%	$590,000
11792	Wading River	1978	52%	$557,700
11795	West Islip	1961	87%	$598,800
11796	West Sayville	1955	86%	$572,100
11901	Riverhead	1979	51%	$437,500
11930	Amagansett	1983	46%	$1,997,100
11931	Aquebogue	Not published	0%	Not published
11932	Bridgehampton	1991	26%	$1,951,100
11933	Calverton	1985	40%	$429,500
11934	Center Moriches	1975	60%	$556,600
11935	Cutchogue	1970	70%	$885,900
11937	Northwest Harbor	1980	49%	$1,009,100
11939	East Marion	1965	66%	$830,900
11940	East Moriches	1979	53%	$626,400
11941	Eastport	1981	50%	$635,900
11942	East Quogue	1981	48%	$801,100
11944	Greenport West	1958	67%	$822,200
11946	Hampton Bays	1975	61%	$691,300
11947	Jamesport	Not published	0%	Not published
11948	Laurel	1975	59%	$909,200
11949	Manorville	1993	21%	$546,300
11950	Mastic	1977	60%	$372,900
11951	Mastic Beach	1970	73%	$321,200
11952	Mattituck	1973	66%	$714,800
11953	Middle Island	1981	48%	$358,400
11954	Montauk	1978	55%	$1,186,400
11955	Moriches	1996	22%	$466,500
11956	Suffolk County	1954	87%	$1,033,700
11957	Orient	1968	66%	$923,500
11958	Peconic	1980	50%	$830,600
11959	Quogue	1986	42%	$1,781,300
11960	Remsenburg-Speonk	1983	47%	$1,230,500
11961	Ridge	1979	55%	$402,600
11962	Sagaponack	1993	19%	$1,933,100
11963	Noyack	1977	52%	$1,116,600
11964	Shelter Island	1975	56%	$998,700
11965	Shelter Island Heights	1973	59%	$1,092,200
11967	Shirley	1975	68%	$386,300
11968	North Sea	1985	43%	$1,171,100
11970	Jamesport	1970	78%	$729,000
11971	Southold	1971	70%	$762,700
11972	Remsenburg-Speonk	1977	67%	$851,600
11973	Suffolk County	Not published	100%	Not published
11975	Wainscott	1991	28%	$2,000,001
11976	Water Mill	1994	32%	$2,000,001
11977	Westhampton	1982	46%	$1,039,300
11978	Westhampton	1981	49%	$1,045,100
11980	Yaphank	1986	36%	$409,500

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.

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