[snowwindwaves]

We must live in different climates. Electric heat is common around here and a house can easily have over 10 kW of heat. An electric range gets a 50A 240V circuit (12 kVA). An electric clothes dryer has a 30A 240V circuit (7.2 kVA). All it would take to exceed 5 kVA per house is for everyone to be cooking christmas dinner on a cold night. Maybe somebody has a shower (electric water heater turns on) and then uses the hair dryer (1.5 kW).

Granted you can probably overload a transformer a fair bit on a cold night. I'll ask next time I'm talking to someone in distribution what their allocation rule is.

I feel like I'm used to seeing a 3 x 33 kVA cans feeding only a few houses (that incidentally had natural gas heat and hot water...)