Mold, Insurance And Removal Costs In Virginia
Virginia has 115 counties and 865 ZIP code neighborhoods on this guide. At the statewide price level a typical professional mold job runs about $1,500 to $6,050 before rebuild.
1984Median year homes were built
44%Homes built before 1980
33%Homes rented, not owned
$360,700Median home value
3,654,784Housing units
8,657,499People
Half the homes in Virginia were built before 1984, and 44 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 Richmond city (1959), Roanoke city (1959), Norfolk city (1964), Bristol city (1966), Portsmouth city (1966).
FEMA rates inland flooding high in 1 of 115 Virginia counties, and coastal flooding high in 2. Source FEMA National Risk Index, December 2025.
Virginia Rules On Mold
Virginia Mold And Insurance Rules
- In Virginia, mold that follows another covered loss is covered. Virginia Homeowners Insurance Guide, SCC Bureau of Insurance
- If mold itself is the direct cause of the loss, a Virginia home policy excludes it. Virginia Homeowners Insurance Guide, SCC Bureau of Insurance
- Licensing. Virginia has no state mold license, but selling home mold remediation without a national mold remediation certification breaks the Consumer Protection Act. Va. Code 59.1-200
- Virginia landlords must state in the move in inspection report whether there is any visible mold. Va. Code 55.1-1215
- If visible mold shows up in a Virginia rental, the landlord must have it remediated to professional standards. Va. Code 8.01-226.12
Every Virginia County
| County | ZIP Codes | Median Year Built | Typical Job Up To | Inland Flood Risk |
|---|---|---|---|---|
| Accomack County | 30 | 1982 | $5,300 | Relatively Low |
| Albemarle County | 15 | 1991 | $5,950 | Relatively Moderate |
| Alexandria city | 6 | 1974 | $6,550 | Relatively Moderate |
| Alleghany County | 5 | 1969 | $5,300 | Relatively Low |
| Amelia County | 2 | 1992 | $5,850 | Very Low |
| Amherst County | 4 | 1977 | $5,350 | Relatively Low |
| Appomattox County | 3 | 1981 | $5,350 | Very Low |
| Arlington County | 10 | 1976 | $6,550 | Relatively Moderate |
| Augusta County | 21 | 1988 | $5,450 | Relatively Moderate |
| Bath County | 4 | 1976 | $5,300 | Very Low |
| Bedford County | 13 | 1989 | $5,350 | Relatively Low |
| Bland County | 4 | 1982 | $5,300 | Very Low |
| Botetourt County | 6 | 1984 | $5,600 | Relatively Low |
| Bristol city | 1 | 1966 | $5,200 | Very Low |
| Brunswick County | 12 | 1981 | $5,300 | Very Low |
| Buchanan County | 12 | 1979 | $5,300 | Relatively Low |
| Buckingham County | 8 | 1990 | $5,300 | Very Low |
| Campbell County | 9 | 1980 | $5,350 | Relatively Low |
| Caroline County | 6 | 1992 | $5,300 | Very Low |
| Carroll County | 8 | 1981 | $5,300 | Relatively Low |
| Charles City County | 1 | 1990 | $5,850 | Very Low |
| Charlotte County | 8 | 1979 | $5,300 | Very Low |
| Charlottesville city | 0 | 1967 | $5,950 | Very Low |
| Chesapeake city | 6 | 1989 | $5,900 | Relatively Moderate |
| Chesterfield County | 13 | 1989 | $5,850 | Relatively Moderate |
| Clarke County | 5 | 1980 | $6,550 | Very Low |
| Craig County | 2 | 1979 | $5,600 | Very Low |
| Culpeper County | 12 | 1992 | $6,550 | Relatively Low |
| Cumberland County | 3 | 1983 | $5,300 | Very Low |
| Dickenson County | 8 | 1981 | $5,300 | Relatively Low |
| Dinwiddie County | 9 | 1986 | $5,850 | Very Low |
| Essex County | 7 | 1981 | $5,300 | Very Low |
| Fairfax County | 42 | 1983 | $6,550 | Relatively High |
| Falls Church city | 1 | 1971 | $6,550 | Very Low |
| Fauquier County | 14 | 1986 | $6,550 | Relatively Low |
| Floyd County | 5 | 1986 | $5,550 | Very Low |
| Fluvanna County | 5 | 1995 | $5,950 | Very Low |
| Franklin County | 10 | 1987 | $5,600 | Relatively Low |
| Frederick County | 9 | 1994 | $5,800 | Relatively Low |
| Fredericksburg city | 1 | 1986 | $6,550 | Very Low |
| Giles County | 9 | 1971 | $5,550 | Relatively Low |
| Gloucester County | 3 | 1986 | $5,900 | Very Low |
| Goochland County | 9 | 1998 | $5,850 | Very Low |
| Grayson County | 7 | 1975 | $5,300 | Very Low |
| Greene County | 3 | 1994 | $5,950 | Very Low |
| Greensville County | 2 | 1978 | $5,300 | Very Low |
| Halifax County | 10 | 1974 | $5,300 | Relatively Low |
| Hampton city | 7 | 1974 | $5,900 | Relatively Low |
| Hanover County | 9 | 1990 | $5,850 | Relatively Low |
| Harrisonburg city | 1 | 1987 | $5,700 | Relatively Low |
| Henrico County | 12 | 1984 | $5,850 | Relatively Moderate |
| Henry County | 8 | 1974 | $5,300 | Relatively Moderate |
| Highland County | 6 | 1972 | $5,300 | Very Low |
| Isle of Wight County | 6 | 1992 | $5,900 | Relatively Low |
| James City County | 3 | 1997 | $5,900 | Relatively Low |
| King George County | 2 | 1999 | $5,300 | Very Low |
| King William County | 4 | 1995 | $5,850 | Very Low |
| King and Queen County | 11 | 1990 | $5,850 | Very Low |
| Lancaster County | 4 | 1981 | $5,300 | Very Low |
| Lee County | 8 | 1978 | $5,300 | Relatively Low |
| Loudoun County | 17 | 2002 | $6,550 | Relatively Moderate |
| Louisa County | 4 | 1994 | $5,300 | Relatively Low |
| Lunenburg County | 4 | 1974 | $5,300 | Very Low |
| Lynchburg city | 1 | 1970 | $5,350 | Relatively Low |
| Madison County | 16 | 1980 | $5,300 | Very Low |
| Manassas city | 1 | 1985 | $6,550 | Very Low |
| Mathews County | 14 | 1973 | $5,900 | Very Low |
| Mecklenburg County | 10 | 1982 | $5,300 | Relatively Low |
| Middlesex County | 11 | 1982 | $5,300 | Very Low |
| Montgomery County | 6 | 1986 | $5,550 | Relatively Low |
| Nelson County | 11 | 1987 | $5,950 | Relatively Low |
| New Kent County | 5 | 1995 | $5,850 | Very Low |
| Newport News city | 8 | 1979 | $5,900 | Relatively Low |
| Norfolk city | 14 | 1964 | $5,900 | Relatively Moderate |
| Northampton County | 10 | 1978 | $5,300 | Very Low |
| Northumberland County | 6 | 1989 | $5,300 | Very Low |
| Nottoway County | 4 | 1972 | $5,300 | Very Low |
| Orange County | 6 | 1992 | $5,300 | Relatively Low |
| Page County | 4 | 1975 | $5,300 | Relatively Low |
| Patrick County | 7 | 1981 | $5,300 | Relatively Low |
| Pittsylvania County | 15 | 1981 | $5,300 | Relatively Moderate |
| Poquoson city | 1 | 1977 | $5,900 | Very Low |
| Portsmouth city | 6 | 1966 | $5,900 | Relatively Low |
| Powhatan County | 1 | 1995 | $5,850 | Very Low |
| Prince Edward County | 6 | 1980 | $5,300 | Very Low |
| Prince George County | 5 | 1991 | $5,850 | Very Low |
| Prince William County | 15 | 1994 | $6,550 | Relatively Moderate |
| Pulaski County | 8 | 1975 | $5,550 | Relatively Low |
| Radford city | 0 | 1976 | $5,550 | Very Low |
| Rappahannock County | 8 | 1981 | $6,550 | Very Low |
| Richmond County | 3 | 1975 | $5,300 | Very Low |
| Richmond city | 7 | 1959 | $5,850 | Relatively Moderate |
| Roanoke County | 6 | 1978 | $5,600 | Relatively Low |
| Roanoke city | 6 | 1959 | $5,600 | Relatively Moderate |
| Rockbridge County | 11 | 1980 | $5,300 | Relatively Low |
| Rockingham County | 18 | 1986 | $5,700 | Relatively Moderate |
| Russell County | 6 | 1979 | $5,300 | Relatively Low |
| Scott County | 7 | 1974 | $5,200 | Relatively Low |
| Shenandoah County | 12 | 1981 | $5,300 | Relatively Moderate |
| Smyth County | 5 | 1974 | $5,300 | Relatively Low |
| Southampton County | 9 | 1980 | $5,300 | Very Low |
| Spotsylvania County | 5 | 1996 | $6,550 | Relatively Low |
| Stafford County | 5 | 1997 | $6,550 | Relatively Moderate |
| Suffolk city | 7 | 1994 | $5,900 | Relatively Low |
| Surry County | 5 | 1982 | $5,900 | Very Low |
| Sussex County | 5 | 1979 | $5,850 | Very Low |
| Tazewell County | 14 | 1974 | $5,300 | Relatively Moderate |
| Virginia Beach city | 9 | 1984 | $5,900 | Very Low |
| Warren County | 3 | 1985 | $6,550 | Relatively Low |
| Washington County | 7 | 1981 | $5,200 | Relatively Low |
| Westmoreland County | 5 | 1983 | $5,300 | Very Low |
| Winchester city | 1 | 1968 | $5,800 | Very Low |
| Wise County | 8 | 1979 | $5,300 | Relatively Low |
| Wythe County | 8 | 1978 | $5,300 | Relatively Low |
| York County | 5 | 1992 | $5,900 | Relatively Low |
Largest Cities
- Virginia Beach
- Chesapeake
- Arlington
- Norfolk
- Richmond
- Newport News
- Alexandria
- Hampton
- Roanoke
- Portsmouth
- Suffolk
- Lynchburg
- Dale City
- Reston
- Harrisonburg
- McLean
- Tuckahoe
- Ashburn
- Lake Ridge
- Woodbridge
- Burke
- Manassas
- Linton Hall
- Annandale
- Oakton
- Fair Oaks
- South Riding
- Sterling
- Springfield
- West Falls Church
- Fredericksburg
- Winchester
- Bailey's Crossroads
- Herndon
- Chantilly
- Chester
- Cherry Hill
- West Springfield
- Rose Hill
- Buckhall