This sub-freezing weather is far reaching. Think of it, those who went to Florida and left their homes empty and heating, often about 50 to 60 degrees, so their homes won't freeze up. Well, that may not be enough to keep pipes from freezing in this Arctic freeze we are having. Just last night, I thought I heard a pipe break in my house and the heat was set at 78 degrees. I believe we are all vulnerable. R-19 insulation in the walls or block walls with average siding, just may not be enough to keep out the brutal cold.