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Insulation in Loyall: July highs average about 82°F; January lows average about 25°F.
In Harlan County, July highs average about 82°F and January lows about 25°F, with roughly 54 inches of rain a year.
Over the last 10 years the National Weather Service recorded damaging thunderstorm winds, floods and flash floods in Harlan 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.
Harlan County has had 23 federal disaster declarations in the last 25 years, most often for severe storms; 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 Harlan County figures — more about homes in Harlan.
Harlan · Evarts · Pineville · Hyden · Cumberland · Benham · Lynch · Middlesborough