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Insulation in Loveland: July highs average about 79°F; January lows average about 15°F.
In Larimer County, July highs average about 79°F and January lows about 15°F, with roughly 20 inches of rain a year. Long, cold winters put furnaces and pipes to the test.
Over the last 10 years the National Weather Service recorded hailstorms, flash floods and damaging thunderstorm winds in Larimer County, with hail up to 2.5 inches across. After a storm, a quick roof and gutter check catches damage before it turns into a leak.
Larimer County has had 21 federal disaster declarations in the last 25 years, most often for wildfires; the latest was Stone Mountain Fire (2024).
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Uneven rooms, high bills and an attic you can see the joists in are the signs; older homes often have far too little.
Attic insulation and air-sealing usually pay back fastest.
These are Larimer County figures — more about homes in Fort Collins.
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