Near city's there is always enough loot but houses in 'the middle of nowhere' seem to almost never have loot. When a player is near such a house he is more likely in need of loot then somebody inside a city so I think it would be good to higher the loot in those houses a little and maybe reducing the loot in city's.
This also means people will not all stay near the main city's.
Edit: Like kitno said. Useful loot people will be in need of items like food and drinks. I should have clarified that.