Mold, Insurance And Removal Costs In Vermont
Vermont has 14 counties and 259 ZIP code neighborhoods on this guide. At the statewide price level a typical professional mold job runs about $1,450 to $5,900 before rebuild.
1976Median year homes were built
57%Homes built before 1980
27%Homes rented, not owned
$290,500Median home value
337,072Housing units
645,254People
Half the homes in Vermont were built before 1976, and 57 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 Rutland County (1970), Bennington County (1971), Caledonia County (1972), Washington County (1972), Essex County (1973).
FEMA rates inland flooding high in 0 of 14 Vermont counties. Source FEMA National Risk Index, December 2025.
Vermont Rules On Mold
Vermont Mold And Insurance Rules
- Vermont does not allow total mold exclusions on home or dwelling policies. Homeowners property and liability requirements, Vermont DFR
- A Vermont mold limit must give at least $10,000 for property damage. Mold Limitation and Exclusion Filing Guidelines, Bulletin 141, Vermont DFR
- Vermont policies can leave out mold from repeated leaks only when you knew about the seepage. Mold Limitation and Exclusion Filing Guidelines, Bulletin 141, Vermont DFR
- Licensing. Vermont has no state certification or license for mold cleanup. Mold, Vermont Department of Health
Every Vermont County
| County | ZIP Codes | Median Year Built | Typical Job Up To | Inland Flood Risk |
|---|---|---|---|---|
| Addison County | 15 | 1977 | $5,800 | Relatively Low |
| Bennington County | 17 | 1971 | $5,800 | Relatively Low |
| Caledonia County | 16 | 1972 | $5,800 | Relatively Low |
| Chittenden County | 17 | 1980 | $6,050 | Relatively Moderate |
| Essex County | 12 | 1973 | $5,800 | Very Low |
| Franklin County | 14 | 1979 | $6,050 | Relatively Low |
| Grand Isle County | 5 | 1982 | $6,050 | Very Low |
| Lamoille County | 11 | 1982 | $5,800 | Relatively Low |
| Orange County | 26 | 1977 | $5,800 | Relatively Low |
| Orleans County | 22 | 1977 | $5,800 | Relatively Low |
| Rutland County | 26 | 1970 | $5,800 | Relatively Low |
| Washington County | 21 | 1972 | $5,800 | Relatively Low |
| Windham County | 24 | 1974 | $5,800 | Relatively Low |
| Windsor County | 33 | 1974 | $5,800 | Relatively Moderate |