Mold, Insurance And Removal Costs In North Dakota
North Dakota has 53 counties and 383 ZIP code neighborhoods on this guide. At the statewide price level a typical professional mold job runs about $1,350 to $5,350 before rebuild.
1981Median year homes were built
49%Homes built before 1980
37%Homes rented, not owned
$241,100Median home value
374,866Housing units
779,361People
Half the homes in North Dakota were built before 1981, and 49 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 Slope County (1954), McIntosh County (1956), Griggs County (1958), Grant County (1960), Hettinger County (1961).
FEMA rates inland flooding high in 0 of 53 North Dakota counties. Source FEMA National Risk Index, December 2025.
North Dakota Rules On Mold
North Dakota Mold And Insurance Rules
- The North Dakota Insurance Department lists mold among common exclusions in home policies. A Consumer's Guide to Homeowners Insurance, ND Insurance Department
- North Dakota's environmental agency says to start mold cleanup only after the moisture problem is fixed. Mold and Moisture, ND Department of Environmental Quality
Every North Dakota County
| County | ZIP Codes | Median Year Built | Typical Job Up To | Inland Flood Risk |
|---|---|---|---|---|
| Adams County | 2 | 1966 | $5,250 | Very Low |
| Barnes County | 11 | 1967 | $5,250 | Relatively Low |
| Benson County | 10 | 1970 | $5,250 | Very Low |
| Billings County | 3 | 1984 | $5,250 | Very Low |
| Bottineau County | 9 | 1976 | $5,250 | Very Low |
| Bowman County | 4 | 1972 | $5,250 | Very Low |
| Burke County | 6 | 1968 | $5,250 | Very Low |
| Burleigh County | 11 | 1987 | $5,450 | Relatively Moderate |
| Cass County | 25 | 1993 | $5,450 | Relatively Moderate |
| Cavalier County | 9 | 1970 | $5,250 | Very Low |
| Dickey County | 5 | 1965 | $5,250 | Very Low |
| Divide County | 5 | 1962 | $5,250 | Very Low |
| Dunn County | 7 | 1981 | $5,250 | Very Low |
| Eddy County | 4 | 1967 | $5,250 | Very Low |
| Emmons County | 7 | 1965 | $5,250 | Very Low |
| Foster County | 3 | 1971 | $5,250 | Very Low |
| Golden Valley County | 3 | 1964 | $5,250 | Very Low |
| Grand Forks County | 16 | 1981 | $5,200 | Relatively Low |
| Grant County | 5 | 1960 | $5,250 | Very Low |
| Griggs County | 5 | 1958 | $5,250 | Very Low |
| Hettinger County | 2 | 1961 | $5,250 | Very Low |
| Kidder County | 6 | 1969 | $5,250 | Very Low |
| LaMoure County | 7 | 1964 | $5,250 | Very Low |
| Logan County | 4 | 1965 | $5,250 | Very Low |
| McHenry County | 12 | 1965 | $5,200 | Very Low |
| McIntosh County | 3 | 1956 | $5,250 | Very Low |
| McKenzie County | 6 | 2010 | $5,250 | Very Low |
| McLean County | 13 | 1975 | $5,250 | Very Low |
| Mercer County | 5 | 1979 | $5,250 | Very Low |
| Morton County | 8 | 1979 | $5,450 | Relatively Low |
| Mountrail County | 7 | 1989 | $5,250 | Very Low |
| Nelson County | 8 | 1962 | $5,250 | Very Low |
| Oliver County | 1 | 1975 | $5,450 | Very Low |
| Pembina County | 12 | 1967 | $5,250 | Very Low |
| Pierce County | 3 | 1971 | $5,250 | Very Low |
| Ramsey County | 10 | 1975 | $5,250 | Very Low |
| Ransom County | 4 | 1964 | $5,250 | Very Low |
| Renville County | 5 | 1973 | $5,200 | Very Low |
| Richland County | 14 | 1972 | $5,250 | Very Low |
| Rolette County | 7 | 1980 | $5,250 | Very Low |
| Sargent County | 8 | 1972 | $5,250 | Very Low |
| Sheridan County | 4 | 1966 | $5,250 | Very Low |
| Sioux County | 3 | 1982 | $5,250 | Very Low |
| Slope County | 2 | 1954 | $5,250 | Very Low |
| Stark County | 6 | 1987 | $5,250 | Very Low |
| Steele County | 6 | 1968 | $5,250 | Very Low |
| Stutsman County | 12 | 1973 | $5,250 | Very Low |
| Towner County | 7 | 1968 | $5,250 | Very Low |
| Traill County | 9 | 1965 | $5,250 | Very Low |
| Walsh County | 11 | 1971 | $5,250 | Relatively Low |
| Ward County | 12 | 1983 | $5,200 | Relatively Low |
| Wells County | 7 | 1962 | $5,250 | Very Low |
| Williams County | 9 | 1993 | $5,250 | Relatively Low |