According to the US Department of Energy, heating and cooling are responsible for about 49% of a household’s energy bill. In most cases, a reasonable percentage of the energy expenses is caused by air leaks and heat loss. This is why insulation is a worthwhile investment for all households.
If installed properly, insulation can save up to 10% on your total energy costs. Using the right insulation thickness for your project and climate is crucial if you want a significant increase in your energy savings.
R38 insulation is required in ceilings in hotter regions and floors in colder regions. The thinnest insulation layer achieving the R38 rating is with closed cell spray foam polyurethane (5.38-7.6") and the thickest insulation layer achieving the R38 rating is with loose-fill fiberglass (15.7").
Insulation Capacity of R38
The R-value of an insulation material measures its level of resistance to conductive heat flow.
The R-value required by a project would be determined by your climate and the installation location.
Tibble Tip of the Week
This Week’s Tip:
Fix Dishwasher Odors in 1 Minute
Place a bowl of white vinegar on the top rack and run a hot cycle with the dishwasher empty. This quick fix eliminates odors and buildup without costly cleaners!
Simplify Homeownership
Get one smart, simple home improvement tip every week—delivered straight to your inbox. No spam, just value.
Quick, free, and easy to unsubscribe anytime!
Depending on your locality, R38 can be used to insulate floors, attics, and cathedral ceilings.
When installed correctly, it can reduce heat transfer by about 97%!

This means a significant reduction in your energy expenses, especially if you previously did not have any insulation in place.
R38 Insulation for Ceilings and Attics
Ceilings and attics are arguably the parts of a building that requires the most insulation.
The use of R38 for ceiling and attic insulation is dependent on climate zones, as you can see in Table N1102.1.3 of the International Residential Code (IRC).
You also need to check your local building code to confirm the recommended R-value before proceeding with your project.
The R-values presented in the table are minimums, so R38 can be used in ceilings in zones 0 and 1, which are classified as extremely hot humid (0A)*, extremely hot dry (0B)*, and very hot humid (1A).
R38 is sufficient in these zones because you are not often trying to keep the heat in. Insulation is still important, though, because you also need it to keep heat out.
According to energy star, R38 should be added to uninsulated attics in zones 1-4. These include those mentioned above but also climates that are hot humid (2A), hot dry (2B), warm humid (3A), warm dry (3B), warm marine (3C), mixed humid (4A), mixed dry (4B), and mixed marine (4C).
Examples of states that fall into these zones are:
- *0A and 0B-no states
- Florida (1A and 2A)
- Alabama (2A and 3A)
- Mississippi (3A)
- New Mexico (3B-not everywhere)
- California (3C-not everywhere)
- Most parts of Missouri (4A)
- Nevada (4B-not everywhere)
- Oregon (4C-not everywhere)
If we go back to the IRC, we can see in Section N1102.2.1 that R38 insulation can be used where R49 is required if the R38 insulation is uncompressed, installed over 100% of the ceiling or attic area, extending up over the top plates at the eaves of the ceiling.
Floor R38 Insulation
Looking again at Table N1102.1.3, we can see that, in general, floors do not require as much insulation as ceilings. This is evidenced by the fact that R38 minimum insulation is only required in floors in climate zones 7 and 8.
Zones 7 and 8 are classified as very cold and subarctic/arctic, respectively.
States that have climate zones 7 or 8 and which require R38 for floor insulation include parts of Alaska, Colorado, Wisconsin, Virginia, Washington, Texas, Tennessee, Michigan, Minnesota, North Dakota, Wisconsin, and Wyoming.

To avoid mistakes, check your local building code for your climate zone and the recommended R-ratings for insulating various locations in your home.
R38 Insulation Thickness Guide: Table
Insulation Type | Inherent R-value (per inch thickness) | Thickness to achieve R38 | Best-selling option |
Loose-fill fiberglass | R3.1 | 15.7″ | Owens Corning Atticat Expanding Fiberglass Insulation |
Loose-fill mineral wool | R3.1 | 13.8″ | ROCKWOOL Stone Wool Insulation Granulate |
Loose-fill cellulose | R3.4 | 11.98″ | ThermoFloc Loose Fill Cellulose Insulation |
Fiberglass batt | R2.5 | 10.45″ | Owens Corning Kraft Faced Fiberglass Insulation Batt |
Mineral wool batt | R3.4 | 11.25″ | Rockwool |
Plastic fiber batt | R3.8 | 9″ | Supersoft Recycled Plastic Insulation |
Natural fiber batt | R3.4 | 10″ | UltraTouch Natural Cotton Fiber Batt Insulation |
Open cell polyurethane spray foam | R3.6 | 11.4″ | Versi Foam Open Cell Spray Foam Kit |
Closed cell polyurethane spray foam | R6 | 5.38-7.6″ | Heatlok HFO Pro Spray Foam Insulation |
Foam boards | R5 | 9.5-10.5″ | Owens Corning FOAMULAR Rigid Foam Board Insulation |

Sources
https://www.tfofl.com/how-insulation-works#
https://www.energy.gov/sites/prod/files/guide_to_home_insulation.pdf
https://insulationinstitute.org/im-a-homeowner/about-insulation/how-much-do-i-need/
https://www.pjfitz.com/blog/insulation-installation/9795/
https://www.energy.gov/sites/default/files/2015/10/f27/ba_climate_region_guide_7.3.pdf