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I see what you mean. Good question you raised.
Mobile homes are meant to be moved anywhere, from Florida to upper Minnesota. The floors have to be insulated. And not only that...by sealing them with belly wrap the heat is trapped in the joist cavities so that the heat runs that are down there don't let heat escape through the duct to the outside, and, since they run wate rlines under there as well (often chased with the heat runs), they want to protect them from freezing..
Conventional houses usually don't have these issues. And by chance that plumbing runs ARE in the crawl space? Chances are the dwelling is somewheres that rarely ever gets a freeze. And insulating becomes a matter of choice and not so much that of necessity.
But it is adviseable, if you live where it is cold to want to insulate under there... When doing so, you must insulate so that any vapor barrier is on the house side of the joist and the insulation is below it. And you need to keep in mind that creatures love to get up in the insulation, if you insulate, so you must make sure that how you do it you guard against creatures from making a mess of it.
Where do you live?... and do other people around you have houses over crawl spaces (or up on pilings if by water)?
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