Eyekode...My Centex house is built (as are all in the development) just like yours. Probably someplace in the POCO distribution system there is some overload device. Probably in the big green box sitting in either yours or a close by neighbors front yard. Never seen what's inside one though. I don't worry about it either.
My last house had the feed come right off the transformer on the power pole by the street and the only thing there was some big manual disconnect going in to the transformer. I probably could have pulled 2000 amps before that would have ever tripped. The feed to the house was rated at around 200A but I had a 400A service. The POCO has their own rules and doesn't ahve to follow the NEC.
Breakers are there only to protect the downstream wiring. As long as the wire will support the breaker size you are good to go. No problem with the wire being bigger either.
My last house had the feed come right off the transformer on the power pole by the street and the only thing there was some big manual disconnect going in to the transformer. I probably could have pulled 2000 amps before that would have ever tripped. The feed to the house was rated at around 200A but I had a 400A service. The POCO has their own rules and doesn't ahve to follow the NEC.
Breakers are there only to protect the downstream wiring. As long as the wire will support the breaker size you are good to go. No problem with the wire being bigger either.