It got down to -15 a few years ago, no frozen pipes but my old well quit working, we dug out a new well with a submersible pump, was a good opportunity for the upgrade. Here in NH they run all the pipes through the middle of the house by code I think. If you have a shower spigot on an outer wall it's suscetible. No reason for that IMO.
It drives me crazy watching folks on the yootoobs... Down south, they run their pipes right through the attic... ABOVE the insulation.

Muy malo dood. Then a deal like this comes along and they wonder why their pipes exploded and flooded their house. All that is prevented by putting the pipes INSIDE the heated, insulated space.
It ain't that hard. I live in an old cabin with 2x4 walls,. Now, I have a butt-ton of insulation in the ceiling, but them walls are always only gonna be R15. That ain't real good by today's standards.
But it'll go -30, and does so (or nearly so) all the time. When it gets that cold it takes some money to keep it heated, and the furnace is on nearly all the time - But the wood stove will still cook you outta here, and then the furnace never comes on.
My point being, it ain't that hard. ANY building code ought to allow forthe pipes to be inside the insulated space. That's a no-brainer anywhere you are.