[ctenb]

This has not been true for at least a decade for dutch buildings: there are strict regulations requiring decent insulation for new buildings. Renovating and insulating old buildings is also encouraged, but not required by law.

[rapsey]

Insulating old buildings and especially appartment buildings is very common over here. There the amount of uninsulated buildings is so much higher. Every time I am in that part of Europe I am appalled at the energy waste.