My first camp was open underneath. I always figured closing the last weekend in October. One year, two days before that weekend, it went to the 20s overnight, with a breeze behind it, and the pipes froze. The breeze is what did it, as without that the heat radiating down from the cabin and upward from the ground would have slowed down the process a lot.
When I arrived, the melt water was dripping out the popped joints. All I could do was drain what what still was liquid, close up, and wait until spring. Then I spent a week on my back underneath repairing the damage.
Having a skirt around a crawl space makes a huge difference. A crawl open to the breeze, and uninsulated copper piping, will go to the end of October most years, but I'd never risk that again.
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