Once something is wet, the clock starts. The EPA’s guidance is short.
The EPA says "it is important to dry water damaged areas and items within 24-48 hours to prevent mold growth." That is not long. A ceiling soaked by an overflowing drain pan on Friday night has grown mold on its back by Monday if nobody pulls the wet insulation and dries the drywall.
Indoor humidity matters as much as any single leak. The EPA advises: "If possible, keep indoor humidity below 60 percent (ideally between 30 and 50 percent) relative humidity." In a Gulf Coast summer that usually means a properly sized air conditioner, a working drain line, and sometimes a dehumidifier. A small humidity gauge from a hardware store will tell you whether the house is staying in range.
The roughly ten square feet rule
The EPA says that if the moldy area is less than about 10 square feet, roughly a 3 foot by 3 foot patch, you can often handle the job yourself. Above that, or if the water was sewage or another contaminated source, or if anyone in the house has health concerns, bring in a professional. Size is only half the question: always find and fix the water first, or the mold comes back.