Sandy i live in the south so we don't get much really cold weather but we do get it from time to time. My Attic is insulated all over and while it does get really cold up there, it never gets cold enough for the tanks, which are not wrapped, to freeze, not even in that every cold spell we had around 5 years ago. The problem with leaving any area uninsulated is that the heat won't stop when the area around the tank is warm, it will just continue to leach heat into the rest of the roof space and be very expensive. better to wrap your tanks if you live in a cold area of the country. I am not, however adding more insulation, as many of my neighbours have, because I use it for storage and don't want it to be any colder up there.