Home Design Elements Influenced by Geography

Home Design Elements Influenced by Geography
If you travel at all, you have likely noticed there are great differences between homes constructed in Florida and those built in Massachusetts. There are distinct differences between the stucco homes of the Southwest and those of Mid-America.
Geography plays a big role in home designs across the country and here are some examples.
Homes on Stilts
If you’ve ever driven along coastal areas of the U.S, it is likely you’ve seen homes built on wooden, concrete or steel pillars or stilts. This is to help protect the home from high tides and storm surges that can result from hurricanes. Odds are you won’t see many homes built on stilts in Nashville or Denver.
Homes with Basements
The further south you travel, the fewer homes you will find with basements. Generally speaking, homes in the south are built closer to sea level and on sand, eliminating basements as a viable option for most single-family homes.
Homers with Functional Shutters
Shutters have largely become a decorative exterior item, but in areas where high winds are common, shutters can serve to protect windows and a home’s interior contents. “Real” shutters today can be found on condos and single family homes in hurricane-prone areas.
Homes with Storm Shelters
Storm shelters were once fairly common across the Midwest in tornado-prone areas. These below ground spaces were designed specifically to protect residents from damaging storms, and later served as make-shift bomb shelters during the cold war. Storm shelters have largely been replaced with modern “ safe rooms”, reinforced interior rooms of a home that can withstand high winds.
Homes and Buildings with Steep Rooflines
Where heavy snow is an issue, it is likely you will notice more homes and buildings designed with steep rooflines. This is, in part, to help snow from accumulating too much on a roof, where the excessive weight can cause damage.
Most design elements for homes are in place to minimize damage to a home from elements that may be prominent in their area of construction.
Home insurance is designed to minimize the financial damage from the elements, but also from liability claims resulting from injuries or other mishaps on a property. We have a homeowners’ insurance policy designed to protect you. Contact us today for your free, no obligation home insurance quote.
Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder
Search All Blogs
Search All Blogs
Read More Blogs
Why April 15th? The Surprising History of the Tax Deadline
Why do we owe the IRS by April 15th? Discover the history of Tax Day and some of the most bizarre tax facts in American history.
The Tax Day Crunch: Protecting Your Business from Professional Errors
Tax Day is almost here. Is your business protected against data breaches and professional errors during this high-stress week?
National Pet Day: Ensuring Your Life Insurance Includes a Plan for Your Pets
Who will care for your pet if you aren’t there? This National Pet Day, discover how to use Life Insurance to fund a Pet Trust and protect your best friend.
The Refund Reinvestment: Why April is the Best Time to Pay Your Auto Insurance in Full
Got a tax refund? Turn it into a 10% gain by paying your auto insurance in full this April. Discover the math behind the “Paid-in-Full” discount.
Clean House, Clear Mind: Addressing Hidden Liability Risks During Spring Cleaning
Is your spring cleaning creating a safety hazard? Learn how to protect your home and your guests as you declutter this April.
From French Fish to Spaghetti Trees: The Bizarre History of April Fools’ Day
Why do we play pranks on April 1st? Explore the centuries-old history and the most famous “fools” in world history.
Serious Fun: Managing Liability on International Fun at Work Day
Celebrating International Fun at Work Day this Wednesday? Learn how to boost morale without creating an insurance or HR headache.
Spring Clean Your Beneficiaries: A New Quarter Checklist for Life Insurance
As we enter the second quarter of 2026, it’s time for a 5-minute life insurance audit. Ensure your coverage matches your family’s newest milestones.
Put the Phone Away or Pay: The High Cost of Distraction in April 2026
April starts a national crackdown on distracted driving. Discover how one text message can double your insurance rates for the next three years.
No Joke: Protecting Your Home and Liability During April Fools’ Week
Planning a prank this Wednesday? Make sure your sense of humor doesn’t trigger a homeowners insurance claim for property damage or personal injury.