I have about 16" of my home that overhangs the brick/block 1st floor. It is very cold in the winter, and I don't think it is insulated.
The joists run from front to back. An insulation contractor told me that he thought the rim joist was only on the very end, and that there were no cross blocks between the joists. So the thought he could drill into my interior ceiling in the 1st floor, and blow cellulose and fill the cavity that overhangs.
Of the builders in the group, is it typical to not have cross blocks between the joists at the point that they rest of the bricks? If so, that would be great. I had always assumed that there was cross bracing there. I hope I am wrong. Below is a photo of the back of my home.