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This map is very valuable. Pick your area and see what the normal HDD are for the year. 95% will occur in the five winter months of November through March.
My sister Lois lives in Aspen, CO. Look at the tight bands as one goes up the mountain!
Cincinnati is at the convergence of bands also.
Cincinnati, by the way, is the "freeze-thaw" capital of the U.S. The temperature goes above and below more than any other place.
