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

Generic filters

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about our blog writer?

Read more about KayLynn's background.

Click Here

Search All Blogs

Generic filters

Read More Blogs

The Mindful Traveler: Finding Peace in a World on the Move

Want a more meaningful vacation? Discover the new trend of mindful travel and how to find peace on your next trip.

From the Cloud to the Coffee Shop: Insuring Your Business for a Hybrid 2026

Cyber threats and remote work are changing business insurance. Here’s what you need to protect your company in 2026.

Your Legacy, Your Way: Life Insurance as a Living Financial Tool for 2026

Life insurance is evolving. Learn how new policies are becoming flexible financial tools to help you build wealth and plan for the future.

The AI Driver: How Technology is Redefining Auto Insurance for 2026

New cars are changing auto insurance. This guide explains how AI, ADAS, and EVs are affecting your premiums in 2026.

The New Normal: Home Insurance in a Climate-Conscious 2026

Navigating home insurance in 2026? This guide covers new trends, climate risks, and smart ways to save on your policy.

From Ghoulish Gumbo to Spiced Cider: 5 Halloween-Themed Recipes to Try

A guide to 5 delicious and creative Halloween-themed recipes.

Tricks, Treats, and Liability: Safeguarding Your Business This Halloween

A guide for business owners to navigate Halloween risks and insurance.

The Halloween Legacy: Protecting Your Family’s Future with Life Insurance

A thoughtful guide to life insurance as a legacy for your family.

Don’t Get Spooked: Navigating Halloween Night with Your Auto Insurance

A guide to safe driving and auto insurance on Halloween night.

Beyond the Goblins: Protecting Your Home from Halloween Night Risks

A guide to protecting your home and managing liability risks on Halloween night.