Michigan · public data
Water damage and mold remediation costs in Michigan
Wages and flood insurance payouts from federal data. Checked October 2026.
How much does water damage restoration cost in Michigan?
No government source publishes what a water damage or mold job costs in Michigan. Two public numbers show the scale. Hazardous materials removal workers earn a median of $22.30 an hour in Michigan (BLS, May 2025). Federal flood insurance paid an average of $29,032 per paid building claim in Michigan from 2016 to 2023 (FEMA NFIP). Get two or three written quotes for your own job.
What restoration workers earn in Michigan
Statewide wages across all industries, May 2025. Source: U.S. Bureau of Labor Statistics, OEWS.
| Job | Median hourly wage | Mean hourly wage | Workers in Michigan |
|---|---|---|---|
| Hazardous Materials Removal Workers | $22.30 | $23.75 | 1,610 |
| Construction Laborers | $23.84 | $25.54 | 28,490 |
| Carpenters | $29.66 | $29.88 | 18,590 |
| Plumbers, Pipefitters, and Steamfitters | $38.56 | $37.14 | 14,120 |
| Roofers | $28.62 | $29.54 | 3,090 |
| Heating, Air Conditioning, and Refrigeration Mechanics and Installers | $29.26 | $31.01 | 12,590 |
| Electricians | $36.67 | $35.50 | 23,530 |
Flood insurance claims in Michigan by year
National Flood Insurance Program claims for Michigan properties. Claims for 2024 and 2025 are still being reported. Source: FEMA OpenFEMA, NFIP claims.
| Year of loss | Flood claims | Paid on buildings | Average per paid building claim |
|---|---|---|---|
| 2016 | 117 | $678,060 | $11,116 |
| 2017 | 322 | $7,214,629 | $28,859 |
| 2018 | 549 | $13,467,433 | $30,332 |
| 2019 | 604 | $6,260,894 | $15,086 |
| 2020 | 817 | $30,572,017 | $45,630 |
| 2021 | 343 | $3,635,338 | $14,659 |
| 2022 | 47 | $441,579 | $23,241 |
| 2023 | 292 | $4,705,935 | $23,530 |
| 2024 (still coming in) | 97 | $868,456 | $14,720 |
| 2025 (still coming in) | 54 | $837,049 | $23,251 |
What moves the price of a job
- How long the water sat. EPA says to dry water-damaged areas and items within 24 to 48 hours to prevent mold growth.
- The size of the mold area. EPA says areas under about 10 square feet can in most cases be handled by the occupant; larger areas or heavy water damage call for a professional.
- What has to be removed and rebuilt: drywall, flooring, cabinets.
- Whether the job is over $600. Michigan requires a licensed contractor for residential work of $600 or more in labor and materials. See the rules in Michigan.
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Questions
How much does water damage restoration cost in Michigan?
No government source publishes what a water damage or mold job costs in Michigan. Two public numbers show the scale. Hazardous materials removal workers earn a median of $22.30 an hour in Michigan (BLS, May 2025). Federal flood insurance paid an average of $29,032 per paid building claim in Michigan from 2016 to 2023 (FEMA NFIP). Get two or three written quotes for your own job.
What did flood insurance pay in Michigan's worst recent year?
2020: 817 claims and $30,572,017 paid on buildings (FEMA NFIP, data refreshed September 2026).
Does my homeowners policy cover water damage?
It depends on the cause and your policy. Most homeowners policies cover sudden water damage, such as a burst pipe, and exclude flood. Flood needs a separate flood policy. Read your declarations page or ask your agent.
Cite this page
TownAnswer, "Water Damage and Mold Remediation Costs in Michigan," October 2026, https://townanswer.com/restoration/michigan-costs/