It probably depends on when your house was built and what the building code was at that time. For example, our house in The Villages was built in 2006. At that time the code called for R-11 in the walls and R-38 in the ceilings. If the walls feel cold tonight, you do not have enough insulation.
A bigger problem here is the windows: even the double-paned windows are not very good. The dead-air space between panes is minimal...the greater the space, the less the heat loss. You can overcome that deficiency with good window treatments: plantation shutters, accordion roll-up blinds, etc. For example, we have plantation shutters. If you open them up at night in this weather, you can immediately feel a blast of cold air: proof of their heat-loss blocking.
I hope this is helpful.
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