You'll have to be pretty well-to-do to afford to fund/own a house build w/o insurance. No bank will loan you cash in such a risky situation for a construction loan. (not many banks loaning on new construction/land as it is right now) And hey...what's this about a big grow? I thought you were goin fishin'?
Sorry I missed this- fishing postponed by retinal detachment. Fishing and big grow not incompatible, since I'm automating as much as I can anyway.
I plan to fund this out of my own pocket. Hence big grow. Once it's complete (and code compliant), insurance companies would likely fall all over themselves to insure me because my house will be such an obvious LOW risk compared to others in the neighborhood.
The basic plan is to dig into the south side of a hill, build a home in the mountain and cover it with the tailings. Also known as a concrete reinforced cave. Or, think foundation two stories tall, with a very serious sod roof. Goddammit, this doesn't have to be difficult. No siding, no roofing material. Just foundation. I'll build in plenty of lightjng with the whole south facing side, since it would be all windows. Eaves and decks and setbacks will give me shade in the summer when the sun is high in the sky, and loads of Sun deep inside the structure all winter when the sun is lower in the sky.
What I'm talking about costs not one damn dime more per square foot than standard code built homes, yet the advantages are incomparable!