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Insulation in Elba: July highs average about 87°F; January lows average about 14°F; the typical home was built around 1966 (64% before 1980).
In Howard County, July highs average about 87°F and January lows about 14°F, with roughly 27 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 hailstorms, damaging thunderstorm winds and tornadoes in Howard 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.
The typical home in Howard County was built around 1966, about 60 years ago, and 64% were built before 1980. Homes that age often need updated wiring, plumbing and roofs.
Howard County has had 19 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 Howard County figures — more about homes in St. Paul.
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