Sleeping rough has always been rare in Finland for the simple reason that it gets down to -20 quite often in winter. Freezing to death is not an uncommon fate for alcoholics.
If using the technical term, I think you might mean “Continental climate”.
From the very Wikipedia article you shared:
> The north temperate zone extends from the Tropic of Cancer (approximately 23.5° north latitude) to the Arctic Circle (approximately 66.5° north latitude). The south temperate zone extends from the Tropic of Capricorn (approximately 23.5° south latitude) to the Antarctic Circle (at approximately 66.5° south latitude).[4][5]