Heat will move wherever there is a difference in temperature. Basically, heat flows from areas of warmth to areas of cold.
Many people believe that because hot air rises, most heat loss will be through the ceiling. This is not necessarily so. Heat moves in any direction - up, down or sideways - but always from a warm spot to a colder one. A heated room over an unheated garage or basement will lose heat through the floor. Similarly, heat loss can occur through walls in the basement or crawl space, as well as above the ground. Heat moves to the cold. It's the job of the envelope to control the flow of heat between the indoors and outdoors. To maintain our indoor environment, the envelope must control the flow of heat, air and moisture between the inside of the home and the outdoors.
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I got the above from this site. Its about energy efficiency. It has alot. Take a look. It explains a great deal.
Dean