posted 4 years ago
As usual, "it depends." If you have a reinforced concrete slab and your interior cob walls are not too thick or tall, and not load-bearing, you should be fine. If load-bearing you obviously need footings, or a "raft" slab that is heavily reinforced.
Unless you are in a seriously cold and cloudy climate, you should be able to use passive solar, thermal mass, and insulation components to have a structure that will not freeze into the floor even if unoccupied.
I think a wood floor in a cob house would require either a basement/crawl space or a very dry climate where ground moisture is a minor concern. In a place like the Netherlands I would think a raised floor level with lots of coarse gravel or stone so that capillary water travel is prevented would be a minimum, and I would be much more comfortable with a system that allowed ventilation under the floor.