Yeah, definitely depends on where you are in the State...even within that map, there are areas that are far worse than others.
Where are you BTW? RGV? I think
@LLWillysfan meant
post-tensioned slab? The performance of P-T slab on grade on really expansive soils, unfortunately, based on my experience hasn't been great, but on paper it works. Typical construction of slab-on-grade here is a slab with turn-down grade beam, cast in the same operation (not a footer, per say, but it serves the same purpose.)
Anything within the upper "active zone" can and will move...it's kinda complicated. You need a geotechnical boring/report to know this. In residential, this is usually not done much, so no way of telling...I'd say just do what your neighbors are doing. It's standard practice to do the water at the perimeter if you see what you describe. Maybe talk to them and see if they have any issues.