The US has insulation requirements, it varies a lot state to state but new housing generally has at least decent-ish insulation. The main issue is that there is

The US has insulation requirements, it varies a lot state to state but new housing generally has at least decent-ish insulation. The main issue is that there is a lot of very old housing stock in the US. As of 2015 the median house was 37 years old and 40% were over 45 years old. In the area I live the vast majority of the houses were built in the 40s or 50s, though most people have done some amount of insulation retrofitting. http://eyeonhousing.org/2015/08/the-aging-housing-stock-2/ http://eyeonhousing.org/2015/08/the-aging-housing-stock-2/