Most games use "unified textures" for performance. They take all the textures for an object--or as many as they can--and fit them onto the same map. Any geometry that doesn't animate is welded together.
Here's a good example of someone who textured a house. Everything including the lawn is packed into one texture:
http://gregorburns.net/pages/texture%20map.htm
As luuckyy mentioned, you can do this in AC3D using the texture coordinate editor.