[stevehull]

INSULATE!

Your ground temperature is about 45F. If any air comes into the home, with a dew point above that, then you will have condensation.

Your location is well known for very high humidity in the summer.

You will still have a cool summer basement floor as you are only going to put in perhaps R8, but the thermal mass will help you in both summer and winter.

Remember that cold air sinks and I have seen quite a few moldy concrete floors due to the dew point exceeding the surface temp.

This advice is really specific to your area as most other areas I only suggest basement wall insulation (on the dirt side). But your hot humid summers and frigid winters allow a good return on sub-floor insulation in your area (especially a do it yourself project).

Steve



The cost is small, but the lack of mold, the ability to use that large thermal mass and the foot comfort (in winter) are all factors to insulate.