Mold, Insurance And Removal Costs In Oklahoma
Oklahoma has 77 counties and 657 ZIP code neighborhoods on this guide. At the statewide price level a typical professional mold job runs about $1,300 to $5,250 before rebuild.
1980Median year homes were built
50%Homes built before 1980
34%Homes rented, not owned
$185,900Median home value
1,763,036Housing units
3,995,260People
Half the homes in Oklahoma were built before 1980, and 50 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 Alfalfa County (1960), Cimarron County (1960), Kiowa County (1960), Woods County (1961), Tillman County (1963).
FEMA rates inland flooding high in 2 of 77 Oklahoma counties. Source FEMA National Risk Index, December 2025.
Oklahoma Rules On Mold
Oklahoma Mold And Insurance Rules
- The Oklahoma Insurance Department says a home policy usually limits mold coverage. Tornadoes and Severe Storms FAQs, Oklahoma Insurance Department
- Many Oklahoma home policies exclude mold, but an endorsement may add that coverage back. Insure Your New Bling, Oklahoma Insurance Department
Every Oklahoma County
| County | ZIP Codes | Median Year Built | Typical Job Up To | Inland Flood Risk |
|---|---|---|---|---|
| Adair County | 4 | 1982 | $5,000 | Relatively Low |
| Alfalfa County | 7 | 1960 | $5,000 | Very Low |
| Atoka County | 6 | 1984 | $5,000 | Very Low |
| Beaver County | 6 | 1967 | $5,000 | Very Low |
| Beckham County | 5 | 1981 | $5,000 | Very Low |
| Blaine County | 8 | 1972 | $5,000 | Very Low |
| Bryan County | 12 | 1988 | $5,000 | Relatively Low |
| Caddo County | 13 | 1972 | $5,000 | Relatively Low |
| Canadian County | 7 | 1997 | $5,400 | Relatively Moderate |
| Carter County | 12 | 1977 | $5,000 | Relatively Low |
| Cherokee County | 7 | 1988 | $5,000 | Relatively Moderate |
| Choctaw County | 7 | 1981 | $5,000 | Very Low |
| Cimarron County | 4 | 1960 | $5,000 | Very Low |
| Cleveland County | 11 | 1990 | $5,400 | Relatively Moderate |
| Coal County | 5 | 1976 | $5,000 | Very Low |
| Comanche County | 12 | 1977 | $5,150 | Relatively Moderate |
| Cotton County | 6 | 1970 | $5,150 | Very Low |
| Craig County | 5 | 1975 | $5,000 | Relatively Low |
| Creek County | 14 | 1984 | $5,350 | Relatively Low |
| Custer County | 6 | 1977 | $5,000 | Relatively Low |
| Delaware County | 9 | 1987 | $5,000 | Relatively Moderate |
| Dewey County | 7 | 1973 | $5,000 | Very Low |
| Ellis County | 6 | 1968 | $5,000 | Very Low |
| Garfield County | 15 | 1971 | $5,050 | Relatively Low |
| Garvin County | 7 | 1973 | $5,000 | Relatively Low |
| Grady County | 11 | 1981 | $5,400 | Relatively Low |
| Grant County | 7 | 1967 | $5,000 | Very Low |
| Greer County | 3 | 1964 | $5,000 | Very Low |
| Harmon County | 3 | 1965 | $5,000 | Very Low |
| Harper County | 2 | 1965 | $5,000 | Very Low |
| Haskell County | 6 | 1982 | $5,000 | Very Low |
| Hughes County | 7 | 1972 | $5,000 | Very Low |
| Jackson County | 8 | 1973 | $5,000 | Very Low |
| Jefferson County | 5 | 1971 | $5,000 | Very Low |
| Johnston County | 10 | 1983 | $5,000 | Very Low |
| Kay County | 7 | 1964 | $5,000 | Relatively Low |
| Kingfisher County | 6 | 1977 | $5,000 | Relatively Low |
| Kiowa County | 7 | 1960 | $5,000 | Very Low |
| Latimer County | 3 | 1984 | $5,000 | Relatively Low |
| Le Flore County | 19 | 1983 | $5,000 | Relatively Moderate |
| Lincoln County | 10 | 1985 | $5,400 | Relatively Low |
| Logan County | 7 | 1992 | $5,400 | Relatively Low |
| Love County | 5 | 1982 | $5,000 | Very Low |
| Major County | 7 | 1975 | $5,000 | Very Low |
| Marshall County | 3 | 1985 | $5,000 | Relatively Low |
| Mayes County | 9 | 1981 | $5,000 | Relatively Moderate |
| McClain County | 6 | 1996 | $5,400 | Relatively Low |
| McCurtain County | 14 | 1982 | $5,000 | Relatively Moderate |
| McIntosh County | 6 | 1983 | $5,000 | Relatively Low |
| Murray County | 3 | 1980 | $5,000 | Very Low |
| Muskogee County | 12 | 1977 | $5,000 | Relatively Moderate |
| Noble County | 7 | 1975 | $5,000 | Very Low |
| Nowata County | 5 | 1976 | $5,000 | Very Low |
| Okfuskee County | 5 | 1978 | $5,000 | Very Low |
| Oklahoma County | 52 | 1977 | $5,400 | Relatively High |
| Okmulgee County | 8 | 1977 | $5,350 | Relatively Low |
| Osage County | 17 | 1980 | $5,350 | Relatively Moderate |
| Ottawa County | 7 | 1974 | $5,000 | Relatively Moderate |
| Pawnee County | 5 | 1977 | $5,350 | Relatively Low |
| Payne County | 9 | 1983 | $5,000 | Relatively Low |
| Pittsburg County | 13 | 1978 | $5,000 | Relatively Low |
| Pontotoc County | 7 | 1977 | $5,000 | Relatively Low |
| Pottawatomie County | 9 | 1979 | $5,000 | Relatively Low |
| Pushmataha County | 10 | 1981 | $5,000 | Relatively Low |
| Roger Mills County | 7 | 1971 | $5,000 | Very Low |
| Rogers County | 7 | 1992 | $5,350 | Relatively Moderate |
| Seminole County | 7 | 1976 | $5,000 | Relatively Low |
| Sequoyah County | 8 | 1985 | $5,150 | Relatively Moderate |
| Stephens County | 7 | 1975 | $5,000 | Relatively Low |
| Texas County | 7 | 1975 | $5,000 | Very Low |
| Tillman County | 7 | 1963 | $5,000 | Very Low |
| Tulsa County | 33 | 1979 | $5,350 | Relatively High |
| Wagoner County | 7 | 1994 | $5,350 | Relatively Low |
| Washington County | 6 | 1971 | $5,000 | Relatively Moderate |
| Washita County | 10 | 1963 | $5,000 | Very Low |
| Woods County | 6 | 1961 | $5,000 | Very Low |
| Woodward County | 4 | 1977 | $5,000 | Relatively Low |