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Insulation in Effingham: July highs average about 88°F; January lows average about 18°F.
In Atchison County, July highs average about 88°F and January lows about 18°F, with roughly 37 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 floods in Atchison 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.
Atchison County has had 14 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 Atchison County figures — more about homes in Atchison.
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