most houses in europe have insulations.
i bought my 1975 house with insulation 2 years ago. ground floor has walls made of concrete mixed with stones which is 30-40cm thick, 2nd floor 2 layers of bricks filled with cement.
hurricanes that you call national catastrophe due to damage being done on wooden frame "houses" is what we encounter, close windows and connect to battle net.
That's great. But tommy doesn't seem to know what insulation is.
also there are benefits and downsides to having thick concrete buildings. We have those here in USA too. My old building i recently moved from, concrete. Great for most reasons, but not that great in earthquakes. the building doesn't want to sway so it can jump around instead potentially. my new building isn't concrete so it does shake a little from nearby rattle, but it's absorbing the shock which is what it's supposed to do. but also PNW doesn't get hurricanes/tornados really so don't have to worry about those.
But the main point here is, tommy has no idea what he's talking about. as usual. He literally thinks we are a 3rd world country that lives in cardboard boxes lol. That's just plain ignorant.