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Underfloor insulation alone will not cause moisture and mold, but improper installation can. Although the purpose is to seal any drafts, your subfloor still needs ventilation. If you seal the area too tightly and prevent all airflow, this can cause moisture to get trapped. This moisture eventually leads to mold and—if your floors are wood—rotting.

A sump pump can remove excess moisture from under a house if standing water is present. Other ways to protect your crawl space from moisture include installing a vapor barrier, using a dehumidifier, installing insulation, and using a fan to dry the space. Finally, keeping your gutters clear of debris and positioning your downspouts away from the home’s foundation can prevent moisture from getting into the crawl space in the first place.

Yes, water and water vapor can seep through cracks in your basement floor, which means you should address all basement floor cracks, even if they don’t indicate structural issues. Sealing settling cracks and shrinkage cracks is a good idea to keep water and moisture outside where it belongs. Doing so can improve your indoor air quality, reduce the risk of mold growth, make your home more comfortable, and help prevent pest infestation.

The best ventilation for a crawl space is a fully encapsulated crawl space with its own separate ventilation system. If you go this route, ensure you have the proper crawl space code requirements done and dusted before encapsulating your crawl space with a moisture barrier and installing appliances that may not be up to the proper specs.