Findlay is the county seat of Hancock County with a population of roughly 41,000 people. It is a city where people put down roots - homeownership rates run around 60 to 65 percent, and many residents have lived in the same house for years. That stability means homes get maintained, but it also means a lot of them are old. A large share of Findlay homes were built before 1960, with many in the neighborhoods near downtown and along North Main Street dating to the 1880s through 1920s - Victorian and Craftsman-style houses with original wood framing, brick exteriors, and foundations that have been in the ground for over a century. These homes were built long before modern insulation standards existed. The original materials have had decades to settle, compress, or deteriorate, and no amount of patching addresses the underlying problem.
The climate in northwest Ohio pushes every weakness in an older home's envelope. Findlay averages around 30 inches of snow a year, and temperatures swing above and below freezing repeatedly from late fall through early spring. That freeze-thaw cycle gradually widens gaps in siding, masonry, and framing year after year. The area also sits on heavy glacial clay soil that drains poorly, which is part of why the Blanchard River floods regularly and why basement and crawl space moisture problems are common throughout the city. Homeowners in Findlay are not dealing with one big problem - they are dealing with a combination of aging building stock, wet soil, and hard winters that all work against building envelope performance at the same time.