Uninsulated hot-water and heating pipes bleed energy continuously, and chilled lines both gain heat and risk condensation. This calculator computes heat loss per linear foot for bare versus insulated pipe so you can choose a thickness that pays for itself.
How it works
Heat flows radially out through the insulation shell and then through the air film at the surface, two resistances in series per foot of pipe:
R_insulation = ln(r2 / r1) / (2π·k)
R_film = 1 / (h × 2π·r2)
q (BTU/h·ft) = (T_fluid − T_ambient) / (R_insulation + R_film)
r1 is the bare pipe outer radius, r2 is r1 plus the insulation thickness,
k is the insulation conductivity, and h is the outside air film coefficient.
For a bare pipe the loss is just the film term acting on the metal surface.
Example and notes
A 3/4 in pipe carrying 140 F water in 70 F air loses on the order of 30 to 40 BTU/h per foot bare, but only a few BTU/h per foot with one inch of fiberglass — a reduction well above 80 percent. Over a 50 ft run that is a large standing loss eliminated. Because the log-radius term grows slowly, the second inch of insulation saves far less than the first, so size to the economic optimum rather than piling on thickness. For chilled service, verify the surface temperature stays above the dew point to prevent dripping.