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Insulation in McKinley: July highs average about 78°F; January lows average about -3°F; the typical home was built around 1958 (70% before 1980).
In St. Louis County, July highs average about 78°F and January lows about -3°F, with roughly 28 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 flash floods in St. Louis County, with hail up to 3 inches across. After a storm, a quick roof and gutter check catches damage before it turns into a leak.
The typical home in St. Louis County was built around 1958, about 68 years ago, and 70% were built before 1980. Homes that age often need updated wiring, plumbing and roofs.
St. Louis County has had 10 federal disaster declarations in the last 25 years, most often for floods; the latest was Munger Shaw Fire (2025).
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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. Louis County figures — more about homes in Duluth.
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