It has been proven that approximately 25%-30% of a home's heat loss can be attributed to a poorly insulated basement or foundation.  The goal should be to start with the basics and at a minimum insulate your basement foundation correctly to create usable and comfortable space.  "Can Insulating Concrete Forms (ICFs) also benefit above grade construction?" Absolutely, but let's start with a solid foundation first - at lower costs than traditional finished basements! Historically, the basement h...