Mold Removal Cost And Risk In Polk County, TN

A typical professional mold job in Polk County runs about $1,300 to $5,300 before rebuild, using the Cleveland, TN price level. Below are the 9 ZIP code neighborhoods, the age of the homes, FEMA's water hazard ratings and Tennessee rules.

1991Median year homes were built

37%Homes built before 1980

16%Homes rented, not owned

$136,400Median home value

8,856Housing units

17,702People

Housing figures from Census ACS 2019 to 2023.

Half the homes in Polk County were built before 1991, and 37 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 16 percent of homes in Polk County are rented, so most households here carry an owner's policy on the building itself.

Housing age swings by neighborhood. ZIP 37326 has the oldest homes here, a median year of 1974, and ZIP 37391 the newest, 1996.

Typical Prices In Polk County

JobSizeNational RangePolk County Estimate
Mold Remediationa typical professional job$1,500 to $6,000$1,300 to $5,300
Mold Remediationan attic$2,000 to $7,500$1,750 to $6,600
Mold Inspection and Testinga visual inspection$200 to $600$200 to $550
Mold Inspection and Testingan inspection with samples$300 to $1,000$250 to $900
Mold Inspection and Testinga clearance test$300 to $800$250 to $700

Estimate is the national range times 88.1 divided by 100, the price level for Cleveland, TN, 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 $5,300, that cap falls short by about $300 at the top of that range. Read the form

Water Hazards FEMA Rates Here

FEMA rates none of the water hazards below as high for Polk County.

HazardFEMA Risk Rating
Inland floodingRelatively Low
Coastal floodingNot Applicable
HurricaneVery Low
Cold waveRelatively Low
Winter weatherVery Low

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

ZIP Code Neighborhoods In Polk County

ZIPAreaMedian Year BuiltBuilt Before 1980Median Home Value
37307Polk County199331%$187,800
37317Polk County198051%$117,500
37325Polk County199239%$163,100
37326Ducktown197454%$105,400
37333Polk County198640%$114,600
37361Polk County199230%$116,100
37362Polk County198745%$116,600
37369Polk County199136%$118,000
37391Polk County199626%$185,300

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.

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.

Tennessee Board for Licensing Contractors

All Tennessee counties

Guides

Area Map

Polk County Area

Cleveland, TN