Also... Kentucky is considered subtropical... Is it a coincidence that that is the climate you've chosen?
I said semi-tropical, not subtropical.
I envision Terran (and it has been fairly consistently roleplayed as) kind of like... Florida, or perhaps even as far as Belize or other central american climates. I hesitate to go too far south though, I see Madina as sitting just above the equator (Panama = Panamana?), and Averoth being somewhere around Canada... which sets Terran in the Caribbean or southern US. Northern Terran would be more mediterranean in climate, due to being drier, but southern Terran is certainly a jungle. Complete with monsoon-season (winter).