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Insulation in Martin: July highs average about 89°F; January lows average about 32°F.
In Stephens County, July highs average about 89°F and January lows about 32°F, with roughly 56 inches of rain a year.
Over the last 10 years the National Weather Service recorded damaging thunderstorm winds, hailstorms and tornadoes in Stephens County, with hail up to 1.5 inches across. After a storm, a quick roof and gutter check catches damage before it turns into a leak.
Stephens County has had 13 federal disaster declarations in the last 25 years, most often for hurricanes; the latest was Severe Winter Storm (2026).
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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 Stephens County figures — more about homes in Toccoa.
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