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Insulation in Harvard: July highs average about 88°F; January lows average about 15°F; the typical home was built around 1940 (80% before 1980).
In Clay County, July highs average about 88°F and January lows about 15°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 tornadoes in Clay County, with hail up to 4 inches across. After a storm, a quick roof and gutter check catches damage before it turns into a leak.
The typical home in Clay County was built around 1940, about 86 years ago, and 80% were built before 1980. Homes that age often need updated wiring, plumbing and roofs.
Clay County has had 13 federal disaster declarations in the last 25 years, most often for severe storms; the latest was Severe Winter Storm And Straight-Line Winds (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 Clay County figures — more about homes in Sutton.
Clay Center · Saronville · Trumbull · Stockham · Giltner · Glenvil · Sutton · Fairfield