Mold, Insurance And Removal Costs In Washington
Washington has 39 counties and 588 ZIP code neighborhoods on this guide. At the statewide price level a typical professional mold job runs about $1,600 to $6,400 before rebuild.
1984Median year homes were built
44%Homes built before 1980
36%Homes rented, not owned
$519,800Median home value
3,262,667Housing units
7,740,984People
Half the homes in Washington 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 Columbia County (1948), Garfield County (1953), Lincoln County (1972), Walla Walla County (1973), Grays Harbor County (1974).
FEMA rates inland flooding high in 3 of 39 Washington counties, and coastal flooding high in 2. Source FEMA National Risk Index, December 2025.
Washington Rules On Mold
Washington Mold And Insurance Rules
- Many Washington home policies give limited mold coverage, but only when a covered loss like a burst pipe causes it. Leaks, water damage and mold, Washington OIC
- If your Washington policy has no mold coverage, you may be able to add it. Leaks, water damage and mold, Washington OIC
- Washington landlords must give tenants state health department information about indoor mold. RCW 59.18.060
- Washington renters should tell the landlord in writing about leaks or moisture right away. Renters, Landlords, and Mold, WA Department of Health
All Washington Mold And Insurance Rules lines
Washington Office of the Insurance Commissioner
- Many Washington home policies give limited mold coverage only when the mold comes from a covered loss like a pipe that suddenly bursts. Leaks, water damage, and mold
- If your policy has no mold coverage you may be able to add it, but it is usually very limited. Leaks, water damage, and mold
- Check your crawlspace often for dampness, moldy smells and sagging insulation. Leaks, water damage, and mold
Every Washington County
| County | ZIP Codes | Median Year Built | Typical Job Up To | Inland Flood Risk |
|---|---|---|---|---|
| Adams County | 5 | 1976 | $5,850 | Very Low |
| Asotin County | 3 | 1977 | $5,450 | Relatively Low |
| Benton County | 11 | 1987 | $6,000 | Relatively Moderate |
| Chelan County | 13 | 1982 | $6,250 | Relatively Moderate |
| Clallam County | 8 | 1982 | $5,850 | Relatively Moderate |
| Clark County | 18 | 1993 | $6,350 | Relatively Moderate |
| Columbia County | 2 | 1948 | $5,850 | Very Low |
| Cowlitz County | 9 | 1975 | $5,850 | Relatively Moderate |
| Douglas County | 9 | 1984 | $6,250 | Relatively Moderate |
| Ferry County | 9 | 1986 | $5,850 | Relatively Low |
| Franklin County | 5 | 1997 | $6,000 | Relatively Moderate |
| Garfield County | 1 | 1953 | $5,850 | Very Low |
| Grant County | 14 | 1987 | $5,850 | Relatively Moderate |
| Grays Harbor County | 19 | 1974 | $5,850 | Relatively Moderate |
| Island County | 7 | 1990 | $5,850 | Relatively Low |
| Jefferson County | 8 | 1987 | $5,850 | Relatively Low |
| King County | 82 | 1983 | $6,650 | Very High |
| Kitsap County | 18 | 1986 | $6,350 | Relatively Moderate |
| Kittitas County | 10 | 1991 | $5,850 | Relatively Moderate |
| Klickitat County | 14 | 1983 | $5,850 | Relatively Low |
| Lewis County | 21 | 1979 | $5,850 | Relatively Moderate |
| Lincoln County | 12 | 1972 | $5,850 | Relatively Low |
| Mason County | 9 | 1988 | $5,850 | Relatively Moderate |
| Okanogan County | 19 | 1982 | $5,850 | Relatively Moderate |
| Pacific County | 13 | 1977 | $5,850 | Relatively Low |
| Pend Oreille County | 6 | 1984 | $5,850 | Relatively Low |
| Pierce County | 53 | 1985 | $6,650 | Relatively High |
| San Juan County | 9 | 1988 | $5,850 | Relatively Low |
| Skagit County | 13 | 1985 | $6,150 | Relatively Moderate |
| Skamania County | 7 | 1984 | $6,350 | Relatively Low |
| Snohomish County | 26 | 1989 | $6,650 | Relatively High |
| Spokane County | 39 | 1978 | $6,000 | Relatively Moderate |
| Stevens County | 17 | 1985 | $6,000 | Relatively Low |
| Thurston County | 12 | 1991 | $6,200 | Relatively Moderate |
| Wahkiakum County | 3 | 1979 | $5,850 | Very Low |
| Walla Walla County | 8 | 1973 | $5,900 | Relatively Low |
| Whatcom County | 16 | 1988 | $6,200 | Relatively Moderate |
| Whitman County | 20 | 1978 | $5,850 | Relatively Low |
| Yakima County | 20 | 1976 | $5,750 | Relatively Moderate |
Largest Cities
- Seattle
- Spokane
- Tacoma
- Vancouver
- Bellevue
- Kent
- Everett
- Spokane Valley
- Renton
- Federal Way
- Yakima
- Bellingham
- Kirkland
- Auburn
- Kennewick
- Redmond
- Marysville
- South Hill
- Sammamish
- Lakewood
- Richland
- Shoreline
- Lacey
- Burien
- Bothell
- Bremerton
- Edmonds
- Puyallup
- Lynnwood
- Lake Stevens
- Parkland
- Graham
- University Place
- Spanaway
- Des Moines
- Mercer Island
- Bainbridge Island
- North Lynnwood
- Kenmore
- Eastmont