How do natural resources and physical landforms and waterways affect human settlement patterns

Humans tend to congregate and form settlements around areas that are rich with natural resources such as forests and rivers, because these locations support life and the economy.

Humid continental climate is found in the interior of continents between the 30 and 60 degrees latitude, but usually above the 40 degree line.   40 degrees north of the equator means less direct sunlight and therefore less warmth.   this climate is mainly found in the northern hemisphere since there are no major landmasses in the southern hemisphere.  if you live in northern indiana, you know all about humid continental because that is the climate type you have!