Mold, Insurance And Removal Costs In Tennessee
Tennessee has 95 counties and 615 ZIP code neighborhoods on this guide. At the statewide price level a typical professional mold job runs about $1,400 to $5,500 before rebuild.
1986Median year homes were built
42%Homes built before 1980
33%Homes rented, not owned
$256,800Median home value
3,095,472Housing units
6,986,082People
Half the homes in Tennessee were built before 1986, and 42 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 Lake County (1974), Obion County (1975), Gibson County (1976), Sullivan County (1976), Unicoi County (1976).
FEMA rates inland flooding high in 4 of 95 Tennessee counties. Source FEMA National Risk Index, December 2025.
Tennessee Rules On Mold
Who May Do Mold Work
Tennessee has no stand alone mold inspector license. Instead, the Board for Licensing Contractors has a Mold Remediation classification on its contractor license. Tennessee requires a contractor license for jobs of $25,000 or more, so a large mold job should go to a company licensed in that classification.
State law does not bar one company from both inspecting and remediating the same job, so hiring an independent inspector is your own choice. You can check a contractor’s license and classification on the state’s online license lookup.
Every Tennessee County
| County | ZIP Codes | Median Year Built | Typical Job Up To | Inland Flood Risk |
|---|---|---|---|---|
| Anderson County | 7 | 1977 | $5,550 | Relatively Moderate |
| Bedford County | 5 | 1990 | $5,100 | Relatively Low |
| Benton County | 4 | 1983 | $5,100 | Very Low |
| Bledsoe County | 2 | 1993 | $5,100 | Very Low |
| Blount County | 10 | 1988 | $5,550 | Relatively Moderate |
| Bradley County | 5 | 1985 | $5,300 | Relatively Low |
| Campbell County | 7 | 1984 | $5,550 | Relatively Low |
| Cannon County | 2 | 1989 | $5,800 | Relatively Low |
| Carroll County | 12 | 1977 | $5,100 | Very Low |
| Carter County | 5 | 1977 | $5,300 | Relatively Moderate |
| Cheatham County | 4 | 1991 | $5,800 | Relatively Low |
| Chester County | 4 | 1989 | $5,150 | Very Low |
| Claiborne County | 7 | 1987 | $5,100 | Relatively Low |
| Clay County | 2 | 1982 | $5,100 | Very Low |
| Cocke County | 6 | 1987 | $5,100 | Relatively Low |
| Coffee County | 4 | 1986 | $5,100 | Relatively Low |
| Crockett County | 5 | 1979 | $5,150 | Very Low |
| Cumberland County | 6 | 1993 | $5,100 | Relatively Low |
| Davidson County | 28 | 1985 | $5,800 | Relatively High |
| DeKalb County | 4 | 1984 | $5,100 | Very Low |
| Decatur County | 5 | 1982 | $5,100 | Very Low |
| Dickson County | 7 | 1987 | $5,800 | Relatively Low |
| Dyer County | 5 | 1977 | $5,100 | Relatively Low |
| Fayette County | 9 | 1997 | $5,550 | Relatively Low |
| Fentress County | 5 | 1988 | $5,100 | Very Low |
| Franklin County | 8 | 1984 | $5,100 | Relatively Low |
| Gibson County | 9 | 1976 | $5,150 | Relatively Low |
| Giles County | 6 | 1980 | $5,100 | Relatively Low |
| Grainger County | 6 | 1992 | $5,550 | Very Low |
| Greene County | 7 | 1983 | $5,100 | Relatively Low |
| Grundy County | 7 | 1984 | $5,100 | Very Low |
| Hamblen County | 4 | 1980 | $5,200 | Relatively Low |
| Hamilton County | 24 | 1980 | $5,500 | Relatively High |
| Hancock County | 2 | 1982 | $5,100 | Very Low |
| Hardeman County | 8 | 1982 | $5,100 | Very Low |
| Hardin County | 8 | 1985 | $5,100 | Relatively Low |
| Hawkins County | 7 | 1984 | $5,200 | Relatively Low |
| Haywood County | 4 | 1977 | $5,100 | Very Low |
| Henderson County | 6 | 1987 | $5,100 | Very Low |
| Henry County | 7 | 1983 | $5,100 | Relatively Low |
| Hickman County | 6 | 1988 | $5,800 | Relatively Low |
| Houston County | 3 | 1981 | $5,100 | Very Low |
| Humphreys County | 4 | 1978 | $5,100 | Relatively Low |
| Jackson County | 4 | 1987 | $5,100 | Relatively Low |
| Jefferson County | 5 | 1990 | $5,200 | Relatively Low |
| Johnson County | 5 | 1980 | $5,100 | Relatively Low |
| Knox County | 22 | 1985 | $5,550 | Relatively Moderate |
| Lake County | 2 | 1974 | $5,100 | Very Low |
| Lauderdale County | 3 | 1981 | $5,100 | Very Low |
| Lawrence County | 8 | 1981 | $5,100 | Relatively Low |
| Lewis County | 2 | 1990 | $5,100 | Very Low |
| Lincoln County | 10 | 1986 | $5,100 | Relatively Low |
| Loudon County | 5 | 1991 | $5,550 | Relatively Low |
| Macon County | 2 | 1990 | $5,800 | Very Low |
| Madison County | 9 | 1985 | $5,150 | Relatively Low |
| Marion County | 9 | 1985 | $5,500 | Relatively Low |
| Marshall County | 4 | 1991 | $5,100 | Relatively Low |
| Maury County | 6 | 1993 | $5,800 | Relatively Moderate |
| McMinn County | 6 | 1983 | $5,100 | Relatively Low |
| McNairy County | 9 | 1983 | $5,100 | Very Low |
| Meigs County | 2 | 1993 | $5,100 | Very Low |
| Monroe County | 4 | 1991 | $5,100 | Relatively Low |
| Montgomery County | 8 | 1997 | $5,450 | Relatively Moderate |
| Moore County | 1 | 1990 | $5,100 | Very Low |
| Morgan County | 9 | 1986 | $5,550 | Very Low |
| Obion County | 7 | 1975 | $5,100 | Relatively Low |
| Overton County | 7 | 1982 | $5,100 | Very Low |
| Perry County | 2 | 1987 | $5,100 | Relatively Low |
| Pickett County | 2 | 1992 | $5,100 | Very Low |
| Polk County | 9 | 1991 | $5,300 | Relatively Low |
| Putnam County | 6 | 1990 | $5,100 | Relatively Low |
| Rhea County | 4 | 1991 | $5,100 | Relatively Low |
| Roane County | 3 | 1979 | $5,550 | Relatively Low |
| Robertson County | 8 | 1993 | $5,800 | Relatively Low |
| Rutherford County | 12 | 2000 | $5,800 | Relatively High |
| Scott County | 5 | 1987 | $5,100 | Very Low |
| Sequatchie County | 1 | 1993 | $5,500 | Relatively Low |
| Sevier County | 6 | 1995 | $5,100 | Relatively Moderate |
| Shelby County | 33 | 1977 | $5,550 | Relatively High |
| Smith County | 9 | 1985 | $5,800 | Very Low |
| Stewart County | 5 | 1989 | $5,450 | Very Low |
| Sullivan County | 8 | 1976 | $5,200 | Relatively Moderate |
| Sumner County | 7 | 1994 | $5,800 | Relatively Moderate |
| Tipton County | 7 | 1992 | $5,550 | Relatively Low |
| Trousdale County | 2 | 1987 | $5,800 | Very Low |
| Unicoi County | 3 | 1976 | $5,300 | Very Low |
| Union County | 3 | 1993 | $5,550 | Very Low |
| Van Buren County | 2 | 1979 | $5,100 | Very Low |
| Warren County | 4 | 1978 | $5,100 | Relatively Low |
| Washington County | 8 | 1986 | $5,300 | Relatively Low |
| Wayne County | 6 | 1981 | $5,100 | Relatively Low |
| Weakley County | 7 | 1978 | $5,100 | Very Low |
| White County | 3 | 1985 | $5,100 | Relatively Low |
| Williamson County | 10 | 2001 | $5,800 | Relatively Moderate |
| Wilson County | 5 | 1998 | $5,800 | Relatively Moderate |