Mold Removal Cost And Risk In Ramsey County, ND
A typical professional mold job in Ramsey County runs about $1,300 to $5,250 before rebuild, using the North Dakota nonmetro price level. Below are the 10 ZIP code neighborhoods, the age of the homes, FEMA's water hazard ratings and North Dakota rules.
1975Median year homes were built
60%Homes built before 1980
41%Homes rented, not owned
$197,400Median home value
5,875Housing units
11,563People
Half the homes in Ramsey County were built before 1975, and 60 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 41 percent of homes in Ramsey County are rented, so most households here carry an owner's policy on the building itself.
Housing age swings by neighborhood. ZIP 58325 has the oldest homes here, a median year of 1938, and ZIP 58327 the newest, 1988.
Typical Prices In Ramsey County
| Job | Size | National Range | Ramsey County Estimate |
|---|---|---|---|
| Mold Remediation | a typical professional job | $1,500 to $6,000 | $1,300 to $5,250 |
| Mold Remediation | an attic | $2,000 to $7,500 | $1,750 to $6,550 |
| Mold Inspection and Testing | a visual inspection | $200 to $600 | $150 to $500 |
| Mold Inspection and Testing | an inspection with samples | $300 to $1,000 | $250 to $850 |
| Mold Inspection and Testing | a clearance test | $300 to $800 | $250 to $700 |
The standard limited fungi endorsement caps mold at $5,000. Against a typical job here of up to $5,250, that cap falls short by about $250 at the top of that range. Read the form
Water Hazards FEMA Rates Here
FEMA rates Ramsey County high for 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 Low |
| Coastal flooding | Not Applicable |
| Hurricane | Not Applicable |
| Cold wave | Relatively Moderate |
| Winter weather | Relatively High |
ZIP Code Neighborhoods In Ramsey County
| ZIP | Area | Median Year Built | Built Before 1980 | Median Home Value |
|---|---|---|---|---|
| 58301 | Ramsey County | 1977 | 55% | $205,200 |
| 58321 | Ramsey County | 1957 | 100% | $264,300 |
| 58325 | Ramsey County | 1938 | 93% | Not published |
| 58327 | Ramsey County | 1988 | 48% | $186,100 |
| 58330 | Ramsey County | 1957 | 92% | $81,700 |
| 58338 | Ramsey County | 1968 | 96% | $114,400 |
| 58345 | Ramsey County | 1961 | 90% | Not published |
| 58362 | Ramsey County | Not published | 100% | Not published |
| 58377 | Ramsey County | 1966 | 80% | $157,700 |
| 58382 | Ramsey County | 1964 | 85% | Not published |
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