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
Tax Season Lifeline: Why January is the Time to Secure Estate Liquidity with Life Insurance
Tax season is here. Use Life Insurance to create tax-free liquidity for your estate and protect your family business from forced asset sales.
The Debt-Deductible Dilemma: Aligning Your Auto Policy with Post-Holiday Finances
Did holiday spending deplete your savings? Reconsider high auto deductibles—you might not be able to afford the out-of-pocket cost if you have an accident now.
Deep Freeze Defense: Essential Home Insurance Prep for January’s Peak Winter Storms
Don’t wait for the blizzard. A mid-January guide to using your Home Insurance to protect against peak winter storm damage, from ice dams to power outages.
Sparks in the Dark: The Shocking Science (and Solutions) of National Static Electricity Day
Why does everything zap you in January? Celebrate National Static Electricity Day by learning the science of the “winter spark” and how to stay grounded.
The Digital Clean Slate: Securing Your Business Cyber Insurance
Digital organization is key. An audit of your cyber policy and MFA security measures is vital to meet 2026 insurance requirements and lower premiums.
The Healthy Policy: Leveraging Your January Wellness Resolutions for Life Insurance Savings
Did you resolve to get healthier? Your improved fitness can translate into lower life insurance premiums in the new year.
Post-Holiday Adjustments: Auditing Your Auto Policy for New Drivers and Commute Changes
Did a student driver leave for school or return home? Update your auto policy’s garaging address and drivers to avoid huge claim issues.
New Year, New Value: How to Audit Your Home Insurance for Proper Coverage
Kick off the year by checking your policy. Ensure your home’s replacement cost is up-to-date and your new holiday gifts are properly scheduled.
Cinnamon, Cocoa, and Contentment: The Hygge Approach to December Holiday Feasting
Ditch the stressful feast! Simple, warm, and comforting recipes and rituals to bring the cozy Danish concept of Hygge to your holiday table this December.
Guard the Till: Insuring Your Business Against the Holiday Spike in Employee Theft and Fraud
Internal threats are highest in December. Secure your inventory and cash flow with Commercial Crime Insurance (Fidelity Bonds) to protect against employee dishonesty.