Mike, Larry, you concentrated a lot of information in your replies. Very interesting - I've never gotten familiar with this aspect of living in the different areas of the US at all. My only visit has been in the Great Lakes area.
Europe would be just as diverse in this aspect too. Think about the climates of Greece, Britain, Scandinavia... Finland is so high up north that our building style is very much concentrated on insulation, as in Sweden. We get regularly -10 to -20 degrees C for months in the winter. What is known to you as a German style, with a central chimney with several channels in it would be what was traditionally built here as well from the early 1800's until the 1960's, I'd say. During the 1990's and now everybody is going back to that style. In between there were all kinds of weird experiments, especially around the 1970's energy crisis. Still, up here nobody lives like, say, in Britain or France, where dwelling heating _must_ be complemented by wearing layers of clothes when it gets close to zero... we Finns have this "Japanese" -style thing up here that shoes are always taken off at the door and everybody goes in their socks indoors. So a pretty comfy and even temperature is called for everywhere and around the year.
A few examples of common ways to build here: double to triple insulation on exterior structures, mostly rockwool or such products. Outer walls are mostly timber, since the 1960's often brick as well. Still most wall structures remain timber. Breathability of the structure is highly important, absolutely no dampness indoors is allowed. The windows had double glass since the 1950's on and nowadays it's always triple: an inner frame with double panes, vacuum in between, and an outer frame with a single glass pane. Central heating with water radiators is the norm. Oil furnaces are common as heat sources, as are centralized heat and power stations in cities. No anthracite used except for some power stations, hardly any natural gas either. Fireplaces and baking ovens with considerable thermal mass are getting more popular again and timber-burning furnaces for central heating systems are very economic where timber is readily available. My sister's family has a farm with their own woods, and they have a 1-meter-long furnace and a 3.500 liter hot water tank in their basement. Even in the middle of January they burn wood for an afternoon a week, and have all the heat and hot water they need with a family of five. I'm going to build such a system once.
A couple of other peculiarities - all doors are built to open _outwards_. The cops have no door rams here ;-) and absolutely nothing in these houses can be "kicked in". In addition, the number of saunas in the nation exceeds the number of households... No kidding.