If you read the whole boatbuilder's handbook you will find that the rules state that the "proper" amount of flotation will not only float the boat, but float it in an upright position.
That said, not all ( small ) boats appear to do this. But, they should.
... and having "drawn" a few designs myself ( for myself. Definitely not commercial ) you are right that it is a real challenge to get all the floaty bits in the right place. The "natural tendency" is to have a big foam bottom and with all the heavy stuff on top. Which is, of course, backwards.