Mold, Insurance And Removal Costs In West Virginia
West Virginia has 55 counties and 729 ZIP code neighborhoods on this guide. At the statewide price level a typical professional mold job runs about $1,350 to $5,350 before rebuild.
1976Median year homes were built
57%Homes built before 1980
26%Homes rented, not owned
$155,600Median home value
859,653Housing units
1,784,462People
Half the homes in West Virginia 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 Ohio County (1957), Hancock County (1959), McDowell County (1959), Marion County (1960), Marshall County (1960).
FEMA rates inland flooding high in 1 of 55 West Virginia counties. Source FEMA National Risk Index, December 2025.
West Virginia Rules On Mold
West Virginia Mold And Insurance Rules
- The West Virginia Insurance Commissioner says most policies exclude mold, fungus, wet rot and bacteria and any damage they cause. Severe weather consumer release, WV Offices of the Insurance Commissioner
Every West Virginia County
| County | ZIP Codes | Median Year Built | Typical Job Up To | Inland Flood Risk |
|---|---|---|---|---|
| Barbour County | 6 | 1975 | $5,200 | Relatively Low |
| Berkeley County | 10 | 1995 | $5,650 | Relatively Moderate |
| Boone County | 28 | 1975 | $5,300 | Relatively Moderate |
| Braxton County | 13 | 1977 | $5,200 | Relatively Low |
| Brooke County | 7 | 1965 | $5,350 | Relatively Moderate |
| Cabell County | 12 | 1969 | $5,300 | Relatively Moderate |
| Calhoun County | 10 | 1974 | $5,200 | Relatively Low |
| Clay County | 12 | 1983 | $5,300 | Relatively Low |
| Doddridge County | 5 | 1973 | $5,200 | Relatively Low |
| Fayette County | 40 | 1972 | $5,300 | Relatively Low |
| Gilmer County | 9 | 1974 | $5,200 | Relatively Low |
| Grant County | 7 | 1980 | $5,200 | Relatively Low |
| Greenbrier County | 18 | 1977 | $5,200 | Relatively Moderate |
| Hampshire County | 17 | 1987 | $5,800 | Relatively Low |
| Hancock County | 5 | 1959 | $5,350 | Relatively Low |
| Hardy County | 8 | 1984 | $5,200 | Relatively Low |
| Harrison County | 17 | 1963 | $5,200 | Relatively Moderate |
| Jackson County | 10 | 1982 | $5,200 | Relatively Moderate |
| Jefferson County | 8 | 1990 | $6,550 | Relatively Low |
| Kanawha County | 42 | 1966 | $5,300 | Relatively High |
| Lewis County | 8 | 1977 | $5,200 | Relatively Low |
| Lincoln County | 14 | 1983 | $5,200 | Relatively Moderate |
| Logan County | 30 | 1981 | $5,200 | Relatively Moderate |
| Marion County | 14 | 1960 | $5,200 | Relatively Moderate |
| Marshall County | 8 | 1960 | $5,300 | Relatively Moderate |
| Mason County | 13 | 1976 | $5,200 | Relatively Moderate |
| McDowell County | 33 | 1959 | $5,200 | Relatively Moderate |
| Mercer County | 16 | 1974 | $5,200 | Relatively Moderate |
| Mineral County | 8 | 1976 | $5,200 | Relatively Moderate |
| Mingo County | 18 | 1982 | $5,200 | Relatively Moderate |
| Monongalia County | 12 | 1988 | $5,600 | Relatively Moderate |
| Monroe County | 11 | 1978 | $5,200 | Relatively Low |
| Morgan County | 2 | 1984 | $5,650 | Relatively Low |
| Nicholas County | 16 | 1980 | $5,200 | Relatively Low |
| Ohio County | 4 | 1957 | $5,300 | Relatively Moderate |
| Pendleton County | 8 | 1978 | $5,200 | Relatively Low |
| Pleasants County | 2 | 1975 | $5,200 | Relatively Low |
| Pocahontas County | 11 | 1982 | $5,200 | Relatively Low |
| Preston County | 14 | 1982 | $5,600 | Relatively Low |
| Putnam County | 11 | 1988 | $5,300 | Relatively Moderate |
| Raleigh County | 40 | 1975 | $5,300 | Relatively Moderate |
| Randolph County | 21 | 1975 | $5,200 | Relatively Moderate |
| Ritchie County | 10 | 1974 | $5,200 | Relatively Low |
| Roane County | 8 | 1977 | $5,200 | Relatively Low |
| Summers County | 10 | 1974 | $5,200 | Relatively Low |
| Taylor County | 5 | 1979 | $5,200 | Relatively Low |
| Tucker County | 6 | 1982 | $5,200 | Relatively Low |
| Tyler County | 4 | 1968 | $5,200 | Relatively Low |
| Upshur County | 6 | 1979 | $5,200 | Relatively Low |
| Wayne County | 13 | 1975 | $5,300 | Relatively Moderate |
| Webster County | 9 | 1974 | $5,200 | Relatively Low |
| Wetzel County | 11 | 1963 | $5,200 | Relatively Moderate |
| Wirt County | 2 | 1986 | $5,200 | Relatively Low |
| Wood County | 11 | 1969 | $5,200 | Relatively Moderate |
| Wyoming County | 36 | 1975 | $5,200 | Relatively Moderate |