Houses are insulated! But the way they build houses are a bit different than "up north". There they put the styrofoam sheets on the walls before they side. Also the "weight" of the insulation might not be quite as thick. I'm not sure how you describe that. I too felt our house was chillier (cold) during the cold months here. When we have a day like today 1/8, with the stiff north wind and colder temps it feels cold. You may just have to layer your clothing when it's like this and put an extra blanket on the be.
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