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Mainly by the shape of the cerci and in H. urbica the tibia are mostly yellowish / brown and in most cases they are black/dark brown in H. variata.
Also...H. variata is far more common then H. urbica in the Netherlands / Belgium (based on collected male specimen).
The female in my collection are collected at the same place as the male specimen and I have never collected both species (H. variata / H. urbica) at the same time. When I look at the specific environment where I collected both species, I can't find any preference in biotope between those species ....let's say, not yet.

Johanna