United Kingdom
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I thought the material used in the US wood, gypsum, etc made insulation more essential compared to stone/brick construction often found in Europe.
Can’t recall where I heard that thing so take with a huge grain of salt
Depends a lot on the construction and age, but there's really no type of construction that doesn't need insulation.
There's a specific UK issue though. For some reason they're falling behind and have been for some time. F.i. The rest of northern Europe are using triple or quadruple pane windows, while many houses in UK still have single pane windows.
The windows alone being 2-3 generations behind code is only part of it. Loft insulation is also far behind:
https://www.theguardian.com/environment/2023/apr/09/uk-insulation-scheme-would-take-300-years-to-meet-its-own-targets-say-critics
Also older housing stock. My house is over 120 years old so that does limit done of what you can do to improve things. That said with decent windows and loft insulation there is something to be said for the thermal properties of a bunch of stone.
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