Just south of Atlanta..it was so cold here it was 12 at midnight. tired old joke. Am seeing a new house go up and the insulation work is pretty interesting. Single level home on a 3 ft crawlspace. Spray foam on the walls of the crawlspace, plastic over the dirt, nothing underneath the flooring. Inside walls and inside of roof all sprayed, all wiring, plumbing holes in floor and wall foamed. Insulation guy says they don't need insulation over the ceiling and under the floor because any outside temp change is accounted for underneath the roof and on the walls of the crawlspace. I guess time will tell but that is a long way from fiberglass or rockwool in the attic and under the floor. I know it is a lot more expensive initially but supposed to recoup through lower energy bills.