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Insulation in Panama: July highs average about 84°F; January lows average about 11°F.
In Shelby County, July highs average about 84°F and January lows about 11°F, with roughly 35 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 damaging thunderstorm winds, hailstorms and tornadoes in Shelby County, with hail up to 2 inches across. After a storm, a quick roof and gutter check catches damage before it turns into a leak.
Shelby County has had 13 federal disaster declarations in the last 25 years, most often for severe storms; the latest was Severe Storms, Tornadoes, And Flooding (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 Shelby County figures — more about homes in Harlan.
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