• Skip to primary navigation
  • Skip to main content
  • Skip to footer
  • Se Habla Español
  • Contact
  • Facebook
  • Instagram
  • TikTok
cropped mountain association logo with copyright.png

Mountain Association

Building a New Economy, Together.

    • Access expertise to grow your business or organization.

      Apply for Support

    • Start Here
      • Learn About Support
      • Apply to Work with a Consultant
      • Success Stories
    • Resources
      • Tools & Templates
      • SPARK Nonprofit Collaborative
      • Client Login
    • Expand your impact with our flexible loans.

      Talk to Us About a Loan

    • Start Here
      • Learn About Loans
      • Start the Application Process
      • Success Stories
    • Resources
      • FAQs
      • Disaster Recovery Loans
      • CrowdMatch Loans
    • We can help you save money.

      Apply for an Energy Assessment

    • Start Here
      • Learn About Our Energy Program
      • Apply for a Free Energy Savings Assessment
      • Success Stories
    • Resources
      • FAQs
      • Solar Support
      • Energy Savings Microloan
    • Start something in your community.

      How We Can Help

    • Start Here
      • How We Support Communities
      • Success Stories
    • Hazard, KY
      • 479 Main Street Project
      • Long-Term Work
    • We can help tell your story.

      Read Our Stories

    • Blog
      • Read Stories
      • Newsletter | Social Media
    • Communications
      • Press & Media
      • EKY Influencer & Media Network
    • Building a new economy, together.

      (859) 986-2373

      info@mtassociation.org

      Sign Me Up for News

    • About Us
      • What We Do
      • A New Economy
        • How It’s Working
    • Our People
      • Team
      • Board of Directors
      • Careers
    • Impact
      • Our History
      • By the Numbers
      • Publications
  • (859) 986-2373

    info@mtassociation.org

     

    Building a new economy, together.
You are here: Home / Energy / Improving the health and efficiency of homes

Energy

Improving the health and efficiency of homes

May 1, 2020

Share:

Nearly all Eastern Kentucky counties are defined as economically distressed by the Appalachian Regional Commission, and while economic conditions have improved, the region still lags behind as deeply-rooted economic conditions marked by long-term unemployment, persistent poverty, and a lack of diverse economic drivers continue. Today, 42 of the 54 Kentucky counties in the Mountain Association’s service region are classified as persistent poverty counties. Basic infrastructure such as transportation, water, housing, and telecommunications also lag well behind, further compounding extreme economic distress.

Two people stand with heating and cooling equipment during an energy efficiency assessment of their home in East Kentucky.
“Around here, electricity has always been cheap. Now we’re getting all these rate increases. That touches everybody—not just doctors and lawyers but grandmothers on fixed incomes, people who have to make a decision: ‘If I don’t pay my electric bill they’ll cut my power off, but if I do, I might have to miss a few meals this month. Or do I really need my blood pressure medicine this month?’ It’s a hard decision.” – Frank Morris

With 67 percent of homes in Eastern Kentucky built before 1990, and 25 percent being mobile homes, the region has an aging and highly inefficient housing stock. The Mountain Association developed an energy efficiency program more than a decade ago to help residents save money and make their homes healthier places to live through improved indoor air quality. Recent studies show that 50 percent of air breathed in a home first travels through the crawl space. In an area with higher rates of black lung, allergy, asthma, cancer and other respiratory diseases, a healthy home is especially important.

The Mountain Association created the How$martKY program to address the primary barrier to investment in improvements by homeowners, small businesses and nonprofits: Upfront payment. In this demonstration program, customers pay for efficiency upgrades each month out of the average energy savings generated by the retrofit. This allows utilities to put energy efficiency within reach of those who need it the most, but have previously been unable to make the upfront investment to start saving money on their energy bills. Though we piloted the program with four partner electric cooperatives – Big Sandy RECC, Fleming-Mason Energy, Grayson RECC and Jackson Energy – to offer the on-bill financing option to their customers, we are now allowed by the Kentucky Public Service Commission (PSC) to partner with any RECC in the state. 

The pilot co-ops submitted their application to the PSC for the “tariffed” on-bill program, which ties payments to the meter rather than the individual utility customer. We adapted this program design with the co-ops from precedents first developed through the PAYS® system and the How$mart® program in Kansas. 

We also worked with several Fahe member organizations that build affordable, quality housing in Eastern Kentucky through another program called the Appalachia Heat Squad. Appalachia Heat Squad provides home energy audits and retrofits throughout Eastern Kentucky.

Two men stand during an energy efficiency assessment of a home in Eastern Kentucky.
An energy efficiency assessment of a home in Eastern Kentucky.

“[We] put people in homes that normally wouldn’t be homeowners, but if they can’t afford their power bill, then what are you accomplishing?” Frank Morris from Housing Development Alliance in Hazard said, describing the importance of this energy efficiency program.

Morris said he loves helping people improve their homes and their health through his program. For example, Morris said in one case, “An 80-year-old woman was in a nice house, but her hot water heater and her furnace were dumping carbon monoxide into the air because the [exhaust] pipe was completely rusted and the furnace [exhaust] pipe wasn’t even attached.”

COAP, a housing non-profit based in Harlan, Kentucky, also said the Appalachia Heat Squad results are making a huge difference for their customers. Program Manager Randall Howard describes how one homeowners bill was cut in half, and their life tremendously improved.

“We went in, and the home didn’t have insulation under the floor, and the roof was leaking. We put a new roof on, insulation under the floor, and a new heat pump,” Howard said. “I had to go back later to test everything out. I walked in and there’s an 80-year-old man. He stood up, walked over to me, and gave me a hug. He said, ‘We’ve been here 15 years and I’ve never been as comfortable as we are now. You’ve made this house better, so much more comfortable.’”

The Mountain Association provides training for Appalachia Heat Squad managers through our New Energy internship program. In this way, we not only support new jobs, savings, and healthier homes, we are also finding that improving an individual’s home can open doors to many other improvements, including their individual health, personal pride and well-being. These elements are critical to building a new economy that works for everyone.

Back to Clean Energy Case Studies

Recent Posts

solar kentucky grocery frenchburg kentucky market

Energy Lending

Seeing the Light: Inspired by Peers, Kentucky Grocer Makes the Solar Switch 

Jed Weinberg knows both Eastern Kentucky and the energy world, through and through.  He grew up in Knott County, and now owns or manages four ... Read This Post

DavidCraftsConstruction

Business Support Energy

Faith in Action: 57 Years of Service at St. Vincent Mission 

From what was once a coal camp’s swimming pool in Floyd County, Kentucky, Saint Vincent Mission has served Appalachians since 1968. The nonprofit got ... Read This Post

power outage kentucky battery backup storage

Energy

Be Prepared: How to Choose Small-Scale Emergency Backup Power 

When the power goes out—whether from a storm, grid failure, or another emergency—having a small-scale backup energy solution can keep your essential ... Read This Post

Footer

cropped mountain association logo with copyright.png

Established in 1976. Prior to 2020, we were known as the Mountain Association for Community Economic Development (MACED).

Donate Now 1

Get the Newsletter

Sign Up Now

  • Programs
    • Business Support
    • Lending
    • Energy
    • Communities
    • Stories
  • About
    • What We Do
    • A New Economy
    • Team
    • Our History
    • By the Numbers
  • More
    • Donate
    • Careers
    • Board of Directors
    • Publications
    • Sponsorships

BEREA
(859) 986-2373
433 Chestnut Street
Berea, KY 40403

Meetings by appointment only

info@mtassociation.org

We are happy to make any accommodation
to better serve you. We have an on-staff
Spanish interpreter, and provide
additional free language/
interpretation services as needed.

If hearing or speech impaired,
please dial 7-1-1 for relay
services prior to calling.

HAZARD
(606) 439-0170
420 Main St
Hazard, KY 41701

PRESTONSBURG
(606) 264-5910
268 E Friend St, Ste 101
Prestonsburg, KY 41653

Copyright © 2025 Mountain Association | Privacy Policy | Terms & Conditions | Non-profit Disclosures

made by P&P
We use cookies to ensure that we give you the best experience on our website. If you continue to use this site we will assume that you are happy with it.Ok