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Insulation in Troy: July highs average about 89°F; January lows average about 28°F; the typical home was built around 1968 (69% before 1980).
In Obion County, July highs average about 89°F and January lows about 28°F, with roughly 53 inches of rain a year.
Over the last 10 years the National Weather Service recorded damaging thunderstorm winds, tornadoes and flash floods in Obion 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.
The typical home in Obion County was built around 1968, about 58 years ago, and 69% were built before 1980. Homes that age often need updated wiring, plumbing and roofs.
Obion County has had 17 federal disaster declarations in the last 25 years, most often for severe storms; the latest was Severe Winter Storm (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 Obion County figures — more about homes in Union City.
Obion · Rives · Hornbeak · Union City · Woodland Mills · Trimble · Samburg · Kenton