Mold Removal Cost And Risk In Kay County, OK

A typical professional mold job in Kay County runs about $1,250 to $5,000 before rebuild, using the Oklahoma nonmetro price level. Below are the 7 ZIP code neighborhoods, the age of the homes, FEMA's water hazard ratings and Oklahoma rules.

1964Median year homes were built

75%Homes built before 1980

32%Homes rented, not owned

$116,800Median home value

20,923Housing units

43,731People

Housing figures from Census ACS 2019 to 2023.

Half the homes in Kay County were built before 1964, and 75 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 32 percent of homes in Kay County are rented, so most households here carry an owner's policy on the building itself.

Housing age swings by neighborhood. ZIP 74646 has the oldest homes here, a median year of 1938, and ZIP 74641 the newest, 1988.

Typical Prices In Kay County

JobSizeNational RangeKay County Estimate
Mold Remediationa typical professional job$1,500 to $6,000$1,250 to $5,000
Mold Remediationan attic$2,000 to $7,500$1,650 to $6,250
Mold Inspection and Testinga visual inspection$200 to $600$150 to $500
Mold Inspection and Testingan inspection with samples$300 to $1,000$250 to $850
Mold Inspection and Testinga clearance test$300 to $800$250 to $650

Estimate is the national range times 83.6 divided by 100, the price level for the nonmetro part of the state, 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 $5,000, that cap covers the top of that range. Read the form

Water Hazards FEMA Rates Here

FEMA rates Kay County high for cold wave. 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

HazardFEMA Risk Rating
Inland floodingRelatively Low
Coastal floodingNot Applicable
HurricaneVery Low
Cold waveRelatively High
Winter weatherRelatively Moderate

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

ZIP Code Neighborhoods In Kay County

ZIPAreaMedian Year BuiltBuilt Before 1980Median Home Value
74601Kay County195982%$94,700
74631Kay County195582%$77,100
74632Kay County196170%Not published
74641Kay County198832%$131,800
74646Kay County193888%Not published
74647Kay County196967%$109,800
74653Kay County195581%$86,200

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.

Oklahoma Rules On Mold

Oklahoma Mold And Insurance Rules

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Area Map

Kay County Area

Ponca City, OK