Mold, Insurance And Removal Costs In North Carolina
North Carolina has 100 counties and 827 ZIP code neighborhoods on this guide. At the statewide price level a typical professional mold job runs about $1,400 to $5,650 before rebuild.
1990Median year homes were built
35%Homes built before 1980
34%Homes rented, not owned
$259,400Median home value
4,815,195Housing units
10,584,340People
Half the homes in North Carolina were built before 1990, and 35 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 Anson County (1974), Richmond County (1975), Stanly County (1975), Washington County (1975), Hertford County (1976).
FEMA rates inland flooding high in 4 of 100 North Carolina counties, and coastal flooding high in 5. Source FEMA National Risk Index, December 2025.
North Carolina Rules On Mold
North Carolina Mold And Insurance Rules
- The North Carolina guide shows a mold coverage limit of $5,000 for fungi, rot or bacteria. Consumer's Guide to Homeowners Insurance, NCDOI
- That $5,000 is the most paid no matter how many claims you make. Consumer's Guide to Homeowners Insurance, NCDOI
- Licensing. North Carolina does not require a license, certification or registration for mold inspection or cleanup. Indoor Environmental Quality, Dampness, and Mold, NC Division of Public Health
All North Carolina Mold And Insurance Rules lines
North Carolina Department of Insurance
- The North Carolina home insurance guide says the fungi, wet or dry rot and bacteria coverage pays up to 5,000 dollars in total. A Consumer's Guide to Homeowner's Insurance
- That 5,000 dollar total does not grow with more claims or more locations. A Consumer's Guide to Homeowner's Insurance
Every North Carolina County
| County | ZIP Codes | Median Year Built | Typical Job Up To | Inland Flood Risk |
|---|---|---|---|---|
| Alamance County | 10 | 1987 | $5,600 | Relatively Moderate |
| Alexander County | 2 | 1985 | $5,300 | Relatively Low |
| Alleghany County | 6 | 1982 | $5,300 | Relatively Low |
| Anson County | 7 | 1974 | $5,850 | Relatively Low |
| Ashe County | 11 | 1981 | $5,300 | Relatively Moderate |
| Avery County | 8 | 1985 | $5,300 | Relatively Low |
| Beaufort County | 8 | 1979 | $5,300 | Relatively Low |
| Bertie County | 8 | 1980 | $5,300 | Relatively Low |
| Bladen County | 9 | 1983 | $5,300 | Relatively Low |
| Brunswick County | 12 | 2001 | $5,800 | Relatively Moderate |
| Buncombe County | 16 | 1989 | $5,800 | Relatively Moderate |
| Burke County | 9 | 1980 | $5,300 | Relatively Moderate |
| Cabarrus County | 7 | 1996 | $5,850 | Relatively Moderate |
| Caldwell County | 5 | 1981 | $5,300 | Relatively Moderate |
| Camden County | 3 | 1999 | $5,900 | Very Low |
| Carteret County | 17 | 1989 | $5,300 | Relatively Low |
| Caswell County | 7 | 1982 | $5,300 | Relatively Low |
| Catawba County | 9 | 1984 | $5,300 | Relatively Moderate |
| Chatham County | 11 | 1997 | $5,850 | Relatively Moderate |
| Cherokee County | 3 | 1993 | $5,300 | Relatively Low |
| Chowan County | 2 | 1979 | $5,300 | Very Low |
| Clay County | 3 | 1989 | $5,300 | Relatively Low |
| Cleveland County | 11 | 1979 | $5,300 | Relatively Moderate |
| Columbus County | 14 | 1981 | $5,300 | Relatively Low |
| Craven County | 8 | 1990 | $5,300 | Relatively Moderate |
| Cumberland County | 15 | 1987 | $5,500 | Relatively Moderate |
| Currituck County | 15 | 1997 | $5,900 | Very Low |
| Dare County | 14 | 1987 | $5,300 | Relatively Low |
| Davidson County | 8 | 1985 | $5,500 | Relatively Moderate |
| Davie County | 3 | 1990 | $5,500 | Relatively Low |
| Duplin County | 12 | 1987 | $5,300 | Relatively Low |
| Durham County | 8 | 1993 | $5,850 | Relatively Moderate |
| Edgecombe County | 8 | 1977 | $5,300 | Relatively Moderate |
| Forsyth County | 14 | 1983 | $5,500 | Relatively High |
| Franklin County | 5 | 1995 | $5,900 | Relatively Low |
| Gaston County | 14 | 1982 | $5,850 | Relatively Moderate |
| Gates County | 7 | 1991 | $5,900 | Very Low |
| Graham County | 3 | 1987 | $5,300 | Relatively Low |
| Granville County | 6 | 1990 | $5,300 | Relatively Low |
| Greene County | 4 | 1984 | $5,300 | Relatively Low |
| Guilford County | 23 | 1986 | $5,550 | Relatively High |
| Halifax County | 7 | 1979 | $5,300 | Relatively Moderate |
| Harnett County | 11 | 1996 | $5,300 | Relatively Moderate |
| Haywood County | 6 | 1983 | $5,300 | Relatively Moderate |
| Henderson County | 12 | 1989 | $5,800 | Relatively Moderate |
| Hertford County | 6 | 1976 | $5,300 | Relatively Low |
| Hoke County | 2 | 1999 | $5,500 | Relatively Low |
| Hyde County | 6 | 1978 | $5,300 | Very Low |
| Iredell County | 9 | 1996 | $5,850 | Relatively Moderate |
| Jackson County | 9 | 1990 | $5,300 | Relatively Moderate |
| Johnston County | 10 | 1999 | $5,900 | Relatively Moderate |
| Jones County | 2 | 1986 | $5,300 | Very Low |
| Lee County | 2 | 1988 | $5,300 | Relatively Low |
| Lenoir County | 4 | 1977 | $5,300 | Relatively Moderate |
| Lincoln County | 5 | 1993 | $5,850 | Relatively Moderate |
| Macon County | 5 | 1987 | $5,300 | Relatively Low |
| Madison County | 3 | 1986 | $5,800 | Relatively Low |
| Martin County | 8 | 1976 | $5,300 | Relatively Low |
| McDowell County | 4 | 1983 | $5,300 | Relatively Low |
| Mecklenburg County | 30 | 1996 | $5,850 | Relatively High |
| Mitchell County | 2 | 1978 | $5,300 | Relatively Low |
| Montgomery County | 6 | 1983 | $5,300 | Relatively Low |
| Moore County | 12 | 1993 | $5,300 | Relatively Moderate |
| Nash County | 8 | 1985 | $5,300 | Relatively Moderate |
| New Hanover County | 10 | 1992 | $5,800 | Relatively Moderate |
| Northampton County | 12 | 1979 | $5,300 | Relatively Low |
| Onslow County | 13 | 1997 | $5,550 | Relatively Moderate |
| Orange County | 6 | 1989 | $5,850 | Relatively Moderate |
| Pamlico County | 8 | 1988 | $5,300 | Very Low |
| Pasquotank County | 1 | 1988 | $5,300 | Relatively Low |
| Pender County | 6 | 1997 | $5,800 | Relatively Low |
| Perquimans County | 3 | 1991 | $5,300 | Very Low |
| Person County | 6 | 1984 | $5,850 | Relatively Low |
| Pitt County | 12 | 1993 | $5,300 | Relatively Moderate |
| Polk County | 4 | 1982 | $5,300 | Relatively Low |
| Randolph County | 12 | 1985 | $5,550 | Relatively Moderate |
| Richmond County | 6 | 1975 | $5,300 | Relatively Low |
| Robeson County | 15 | 1985 | $5,300 | Relatively Moderate |
| Rockingham County | 7 | 1979 | $5,550 | Relatively Moderate |
| Rowan County | 14 | 1982 | $5,850 | Relatively Moderate |
| Rutherford County | 11 | 1980 | $5,300 | Relatively Moderate |
| Sampson County | 11 | 1986 | $5,300 | Relatively Low |
| Scotland County | 5 | 1981 | $5,300 | Relatively Low |
| Stanly County | 9 | 1975 | $5,300 | Relatively Low |
| Stokes County | 9 | 1983 | $5,500 | Relatively Low |
| Surry County | 9 | 1980 | $5,300 | Relatively Moderate |
| Swain County | 2 | 1989 | $5,300 | Relatively Low |
| Transylvania County | 8 | 1983 | $5,300 | Relatively Low |
| Tyrrell County | 1 | 1983 | $5,300 | Very Low |
| Union County | 8 | 1999 | $5,850 | Relatively Moderate |
| Vance County | 5 | 1981 | $5,300 | Relatively Low |
| Wake County | 30 | 1999 | $5,900 | Relatively High |
| Warren County | 6 | 1987 | $5,300 | Relatively Low |
| Washington County | 3 | 1975 | $5,300 | Very Low |
| Watauga County | 7 | 1987 | $5,300 | Relatively Moderate |
| Wayne County | 7 | 1983 | $5,300 | Relatively Moderate |
| Wilkes County | 12 | 1980 | $5,300 | Relatively Moderate |
| Wilson County | 8 | 1985 | $5,300 | Relatively Moderate |
| Yadkin County | 5 | 1981 | $5,500 | Relatively Low |
| Yancey County | 2 | 1987 | $5,300 | Relatively Low |