Hi Kari. Our plan this year upon returning to the south is a combination of earth bag subterranean with about 2-4 feet above ground utilizing
straw bale construction. The hole in the earth
should be approximately 6 to 8 feet deep and the interior and floor lined with earth bags and pvc pipe running between floor rows for geothermal radiant heat & cooling and the floor layered in 2-4 inches of re-bar reinforced
concrete.
Albeit heat isn't a huge concern on a cool evening the PVC will be tapped into a copper section of tube wrapped around the barrel portion of a
rocket stove mass heater. This will provide adequate heating of the
water controlled by a 12V zone valve and pump in conjunction with the mass of the stove to create a comfortable temperature with the existing earth / soil temperature.
Now cooling is a concern where we have purchased out
land the temps easily range to 100+ in the summer so the top portion above ground 2-4 feet will be a straw bale design utilizing reinforced fiberglass stucco as a finish.
Habitat for humanity did several studies on this type of construction before implementing it on Indian reservations in the north. The insulation value (although contested in number) fell just short of a polystyrene home (Basically #2 from the top) with a calculated R-Value of 58. The second test was safety and a map gad torch placed on a straw bale coated with
chicken wire and 1-2" of reinforced stucco lasted two hours under direct heat before the flame penetrated to the straw. (Obviously it lasted much longer than a conventional stick frame house.
I have built straw bale sheds and storage units in the desert areas of Utah and Moab, UT has a active program for building these homes in high heat areas and they perform excellent.
Lastly our plan is to cover the roof portion with a reinforced beam system similar to a hobbit house (Round design with load bearing in the center and finish the same way with bales and stucco. The final touch will be implementing a live roof to both further insulate from the sun and to be used as a garden (Hence the possible 4" high to simulate a
raised bed for easy maintenance of the garden).
This design in my humble opinion offers protection from the heat, the low profile avoids easy detection in a SHTF scenario as well as significantly more stable in a storm / hurricane or natural disaster situation. The Earth provides a constant temperature and geothermal warming or cooling of water can also be easily tied into the build as well. We also intent to do install a outlaw well (DYI Self Drilled) inside the structure and it will eliminating 10+ feet from the drill (Not much but what the heck) 50-75 feet we need to go to hit the
local aquifer.
The idea is to keep the water source hidden and protected as well and be serviceable from inside without nosey inspectors or neighbors learning of its existence. We intend to duplicate the hobbit house because its just me and my wife and we require very little open space so for us this will be affordable and
sustainable for little to no cash investment. (I have been in construction from a family craft for 30+ years) but I am confident with a little research and some advice here on this board you could duplicate this plan and adapt it to be larger as you feel the need.
Our long term goal is to duplicate the one hobbit house with a subterranean walkway to another identical large room between to be used as a large under ground Aquaponics grow room.
Even if one or two of these ideas can help you I am glad to share any info as well as I am sure other will as well. Good luck with the build Earth bag is good in a lot of situations like others have stated but do remember it has no great insulation value. Mass yes / insulation no... so unless you are building below ground once the mass is heated or cooled the room temperature is very hard to stabilize.