Europe is the default template for most fantasy stories written currently, at least in the U.S. In sci-fi it can be a little more spread out. I don't read much horror. Other than dragons, there aren't many reptiles out and about it common settings. I think adding some in could allow for some cool world-building.
One of the biggest things I've noticed during my fifteen trips to Walt Disney World has been the tiny lizards. They are everywhere. They're a little creepy, but kinda cool. I guess Florida's climate is warmer than those found in most spec fic stories. If a small lizard were described in a story, I would probably think immediately of Floridian weather if other conditions were not specified. That could allow for very fast world-building.
There are so many little things you can do to avoid info-dumps and add flavor to your story. Adding some reptiles might be one of them.