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Insulation in Florida: July highs average about 87°F; January lows average about 19°F.
In Monroe County, July highs average about 87°F and January lows about 19°F, with roughly 41 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 Monroe County, with hail up to 1.75 inches across. After a storm, a quick roof and gutter check catches damage before it turns into a leak.
Monroe County has had 16 federal disaster declarations in the last 25 years, most often for severe storms; the latest was Severe Storms, 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 Monroe County figures — more about homes in Monroe City.
Stoutsville · Perry · Goss · Monroe City · Paris · Hunnewell · Center · Rensselaer