Below is my roof texture I made.. On the right hand side you can see how the texture is made on UDK, starting from the top the first one is the diffuse texture sample (Targafile) I made in photoshop Cs5, then next one down are the EMISSIVE texture sample. this is what makes the lights glow, you only show where the lights will go and the rest is black.. the texture sample goes into a multiplier with a constant with control how bright you want the lights. the night one is the SPECULAR texture sample, this has a multiplier and contant too. it controls the shine of the texture. Finally i made the NORMAL texture, this gives the texture a 3D effect, makes it have bumps and gives the texture a more realistic look. the image is still 2D but the NORMAL map works like magic.
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