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Insulation in Thurmont: July highs average about 86°F; January lows average about 24°F; the typical home was built around 1988 (38% before 1980).
In Frederick County, July highs average about 86°F and January lows about 24°F, with roughly 45 inches of rain a year.
Over the last 10 years the National Weather Service recorded damaging thunderstorm winds, floods and flash floods in Frederick 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.
The typical home in Frederick County was built around 1988, about 38 years ago, and 38% were built before 1980.
Frederick County has had 12 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 Frederick County figures — more about homes in Frederick.
Emmitsburg · Woodsboro · Smithsburg · Walkersville · Myersville · Frederick · Union Bridge · Taneytown