I keep to the wild and hit little villages. Essentially I have hit every type of house dozens of times.

There is not a single loot spawn (or loot is somewhere out of sight e.g. underground) anywhere in said houses house.

This is the same for un-looted areas and likewise restarted servers.

It is a mixed bag of houses, noticeably the wooden houses (black ones), the small red and green one, the green house that has a side-stair to its main door and a couple of others that wouldn't be difficult to find in less than an hours time of playing. (I have played much more of course.)