Poke some of the woodwork inside your home, and then, you will know where the wood needs to be.
If you have started to run the heater inside, it may start drying the woodwork. You don't want to acclimate to a winter heated interior, as the humidity is pretty low usually from the heater drying the interior air.
With that said, 9% seems to be a good average for Northern Indiana and a little lower closer to 8% in the Southern parts of Indiana.
It is better to have gaps in the winter, than a cupped and buckled floor in the summer.
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