Mold, Insurance And Removal Costs In Rhode Island
Rhode Island has 5 counties and 81 ZIP code neighborhoods on this guide. At the statewide price level a typical professional mold job runs about $1,550 to $6,150 before rebuild.
1961Median year homes were built
72%Homes built before 1980
37%Homes rented, not owned
$368,800Median home value
484,615Housing units
1,095,371People
Half the homes in Rhode Island were built before 1961, and 72 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 Providence County (1956), Bristol County (1959), Newport County (1963), Kent County (1966), Washington County (1976).
FEMA rates inland flooding high in 1 of 5 Rhode Island counties. Source FEMA National Risk Index, December 2025.
Rhode Island Rules On Mold
Rhode Island Mold And Insurance Rules
- In Rhode Island, a mold limit on a home policy must give at least $10,000 for property damage. Insurance Bulletin 2003-2, RI Department of Business Regulation
- Rhode Island mold liability coverage must be at least $50,000. Insurance Bulletin 2003-2, RI Department of Business Regulation
- Mold after a fire or lightning loss must be covered with no mold cap in Rhode Island. Insurance Bulletin 2003-2, RI Department of Business Regulation
- A Rhode Island policy cannot require a mold claim to be reported within a set number of days. Insurance Bulletin 2003-2, RI Department of Business Regulation
Every Rhode Island County
| County | ZIP Codes | Median Year Built | Typical Job Up To | Inland Flood Risk |
|---|---|---|---|---|
| Bristol County | 3 | 1959 | $6,100 | Relatively Low |
| Kent County | 8 | 1966 | $6,100 | Relatively Moderate |
| Newport County | 8 | 1963 | $6,100 | Relatively Low |
| Providence County | 42 | 1956 | $6,100 | Relatively High |
| Washington County | 20 | 1976 | $6,100 | Relatively Moderate |