Partially this is due to climate although in most cases it is due to the conditions on which the house is built. If the frost depth in an area penetrates three to four feet into the soil the footings have to be at or below that depth.
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A problem arises when you have a house with a basement that is left unheated over the winter.
Why do houses have basements. An unheated house allows frost to penetrate the soil 3 to 4 feet under the basement. 90 of homes north of the line have basements and less than 1 of those to the south do.
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