Cold adapted humans such as Europeans and north Asians tend to have more facial and body hair. Even women from these ethnicities have excess hair, usually on their legs but sometimes on their faces. The excess hair helps them keep warm in cold climates and it is the result of a high level of DHT, which is a male hormone that stimulates hair growth. High levels of DHT can also cause premature baldness. Therefore Europeans and north Asians often suffer from premature baldness as well.
People from cold adapted regions also tend to be shorter, have shorter arms and legs, and a more rounded torso. People who are adapted to hot weather tend to have longer arms and legs and a more slender torso. That reduces surface area to reduce heat loss to the environment. People, especially women, from cold adapted regions also tend to have more fat under the skin as insulation against cold climates. The hair on the head tends to be curly in people adapted to hot weather, because the curly hair creates air space between the hair and the scalp, allowing air to blow through, cooling the head. People adapted to cold climates have straight hair, which eliminates the air space, preventing cold drafts from chilling the head.