As a "retired" finish carpenter and home builder from a farm in the northeast corner of the Finger Lakes in Central New York who is now living in the foothills of the Blue Ridge Mountains in North Carolina I see big differences in home construction due to regional geology and prevailing weather.
In CNY where the frost-line depth is 48-54" you are already half way or more to basement depth by the time you excavate the footer trench and account for the home being somewhat raised above grade level. So full basements are pretty much the norm and homes on slabs or crawlspaces the exception.
Here in NC where the frost-line is 12" or so full basements are far less common unless the building site has a fair bit of slope to it. I've seen relatively few homes on level sites with full basements. And water lines buried between 12-18" deep are very susceptible to freezing in even short cold snaps.
And, at least in my former neck of the woods, water lines in unheated spaces were insulated, basement walls were insulated to the frost-line, if the basement wasn't heated the underside of the first floor was insulated, etc.
The thickness of wall framing and the insulation values required by code are higher in northern areas despite the prevalence of high energy consumption for the combined heating and cooling loads here in NC when the entire year is considered.
And building on a slab generally forces the choice of either losing living area to mechanical systems (HVAC, water heaters, etc.) or moving them to attics. Construction on a slab also makes HVAC ducting move to the attic space which is the least energy efficient place you could put it. Personally, even though I'd still have to deal with attic ducting, I'd opt for a mechanical room myself but clearly I would be the exception to the rule, too.
In our part of NC, ice is the big issue and as little as a lousy 1/4" can cause literally tens of thousands of power outages. Which is piss-poor as everyone knows there will be ice storms every year......but I digress.
Knowing that an ice storm was imminent twice in the last two weeks, including one with the potentiol for almost 1-1/2" in our area, I went through something of a "battle drill" each time to get ready for the possibility of a week or more without power:
Fill the gas cans and load test the generator for a few hours, fill the portable propane tanks and check the portable heaters, make sure the big propane tank had enough in it to run the propane fireplace and stove for at least a week and fill the bathtubs with water jugs and 5 gallon pails so the generator isn't having to fire off the 360' deep well pump....if the water line to the house doesn't freeze anyway.
So my wife thinks we scared the evil flying ice monkeys away with our preparations as we didn't loose power either time. But the reality is that as little as a two degree difference on any of the 4-5 days of freezing rain might have left is in the dark and cold as it did many others in our region. For my part, I'm just grateful that after 40 odd years of dealing with this kind of thing we have the resources, storage space and opportunity to prepare in this fashion.
Best regards to all,
Lance