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Insulation in Stuart: July highs average about 86°F; January lows average about 12°F; the typical home was built around 1960 (72% before 1980).
In Holt County, July highs average about 86°F and January lows about 12°F, with roughly 26 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 flash floods in Holt 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 Holt County was built around 1960, about 66 years ago, and 72% were built before 1980. Homes that age often need updated wiring, plumbing and roofs.
Holt County has had 16 federal disaster declarations in the last 25 years, most often for severe storms; the latest was Severe Storms, Straight-Line Winds, Tornadoes, And Flooding (2024).
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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 Holt County figures — more about homes in O'Neill.
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