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Double walls, with thermal insulation, external vapor barrier and built in ventilation ducts. Special additives for the mortars prevent moisture from seeping into the walls. Double or even triple pane windows and good quality, properly applied exterior paint reinforces the insulation.
Most of the ones I’ve seen don’t have most of, or any of this. I’d suspect that’s the problem.
I’ll risk the ones you’re used to see are single wall, probably bare block and perhaps poorly cobbled together, as if they were sheds or something alike.
Far off the mark?
Not too far off of it.