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Insulation in New Carlisle: July highs average about 83°F; January lows average about 17°F.
In St. Joseph County, July highs average about 83°F and January lows about 17°F, with roughly 40 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 St. Joseph 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.
St. Joseph County has had 11 federal disaster declarations in the last 25 years, most often for severe storms; the latest was Severe Storms, Straight-Line Winds, Tornadoes, And Flooding (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 St. Joseph County figures — more about homes in South Bend.
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