Mold, Insurance And Removal Costs In Oregon
Oregon has 36 counties and 422 ZIP code neighborhoods on this guide. At the statewide price level a typical professional mold job runs about $1,550 to $6,200 before rebuild.
1980Median year homes were built
50%Homes built before 1980
37%Homes rented, not owned
$454,200Median home value
1,838,631Housing units
4,238,714People
Half the homes in Oregon 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 Sherman County (1956), Gilliam County (1958), Baker County (1967), Multnomah County (1971), Grant County (1972).
FEMA rates inland flooding high in 5 of 36 Oregon counties, and coastal flooding high in 2. Source FEMA National Risk Index, December 2025.
Oregon Rules On Mold
Oregon Mold And Insurance Rules
- Oregon's insurance regulator says mobile and manufactured home policies rarely cover mold or mildew. Manufactured home insurance, Oregon Division of Financial Regulation
- Oregon health departments do not inspect private homes or test for mold. Mold in Your Home, Oregon Health Authority
- Oregon renters are told to talk with the landlord about mold cleanup. Mold in Your Home, Oregon Health Authority
Every Oregon County
| County | ZIP Codes | Median Year Built | Typical Job Up To | Inland Flood Risk |
|---|---|---|---|---|
| Baker County | 10 | 1967 | $5,850 | Relatively Low |
| Benton County | 5 | 1979 | $6,250 | Relatively Moderate |
| Clackamas County | 24 | 1985 | $6,350 | Relatively High |
| Clatsop County | 7 | 1975 | $5,850 | Relatively Low |
| Columbia County | 8 | 1981 | $6,350 | Relatively Low |
| Coos County | 8 | 1973 | $5,850 | Relatively Moderate |
| Crook County | 3 | 1994 | $6,200 | Relatively Low |
| Curry County | 6 | 1982 | $5,850 | Relatively Low |
| Deschutes County | 8 | 1997 | $6,200 | Relatively Moderate |
| Douglas County | 26 | 1976 | $5,850 | Relatively High |
| Gilliam County | 2 | 1958 | $5,850 | Very Low |
| Grant County | 11 | 1972 | $5,850 | Relatively Low |
| Harney County | 9 | 1974 | $5,850 | Very Low |
| Hood River County | 3 | 1981 | $5,850 | Very Low |
| Jackson County | 15 | 1984 | $6,100 | Relatively Moderate |
| Jefferson County | 4 | 1990 | $6,200 | Relatively Low |
| Josephine County | 10 | 1981 | $5,850 | Relatively Moderate |
| Klamath County | 17 | 1975 | $5,850 | Relatively Moderate |
| Lake County | 8 | 1972 | $5,850 | Relatively Low |
| Lane County | 35 | 1977 | $6,100 | Relatively High |
| Lincoln County | 16 | 1981 | $5,850 | Relatively Moderate |
| Linn County | 17 | 1978 | $6,150 | Relatively Moderate |
| Malheur County | 14 | 1974 | $5,850 | Relatively Low |
| Marion County | 24 | 1979 | $6,200 | Relatively Moderate |
| Morrow County | 5 | 1980 | $5,850 | Relatively Low |
| Multnomah County | 33 | 1971 | $6,350 | Relatively High |
| Polk County | 6 | 1989 | $6,200 | Relatively Low |
| Sherman County | 5 | 1956 | $5,850 | Very Low |
| Tillamook County | 13 | 1981 | $5,850 | Relatively Moderate |
| Umatilla County | 13 | 1978 | $5,850 | Relatively Moderate |
| Union County | 7 | 1972 | $5,850 | Relatively Low |
| Wallowa County | 5 | 1974 | $5,850 | Relatively Low |
| Wasco County | 8 | 1972 | $5,850 | Relatively Low |
| Washington County | 23 | 1990 | $6,350 | Relatively High |
| Wheeler County | 3 | 1975 | $5,850 | Very Low |
| Yamhill County | 11 | 1989 | $6,350 | Relatively Moderate |