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Insulation in Holts Summit: July highs average about 88°F; January lows average about 21°F.
In Callaway County, July highs average about 88°F and January lows about 21°F, with roughly 42 inches of rain a year.
Over the last 10 years the National Weather Service recorded damaging thunderstorm winds, hailstorms and tornadoes in Callaway County, with hail up to 2.75 inches across. After a storm, a quick roof and gutter check catches damage before it turns into a leak.
Callaway County has had 21 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 Callaway County figures — more about homes in Fulton.
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