The thing is, only houses built since the mid-70s routinely have insulation, and far fewer than that have air-conditioning. Our house has no insulation at all, and despite having a patio on the south side and small windows on the west side, we can spend much of a warm day 5ive to ten degrees hotter indoors than outdoors. We start the day, on days like this, with fans at about 6 am. When the air blowing in goes from neutral to warm, we shut off fans, close windows, close up the master bedroom with the tiny in-room a/c unit, and hang out together in the one room. On a 95 degree day, that bedroom can be kept at about 80, while the hallway will be 86 or so, and the rest of the house at 90-100.
The blessing is that it's not humid. One of my most miserable days was in June 2006, in Boston, when it was 100F outside, 90% humidity. And just as a warning: There's nothing worse than smelling the tar decks of the USS Constitution on a day like that, then going to a kosher deli/restaurant and watching a waiter carry a pile of wiggly gravy-covered meat loaf past your table.
But I digress.
Here, it's about 93F right now, but humidity is in the mid-20s. It's starting to feel cooler outside than inside so I've reopened the house and turned the fans back on. I'm lying around, typing and sweating, with an ice pack between me and the laptop. It's not so bad.
We look moderate on paper partially because though we have days like today, the forecast for Friday is in the high 50s with a chance of rain, and just this time last week, I took this little video 20 miles from here, on a chilly afternoon.
(Photo was taken in San Francisco yesterday. It's possible the sensor was in the sun.)