Here are some examples if you haven't seen stuff like this before. Basically the easy way is to actually build your home (of cement and rebar) above ground and then you take a bulldozer or something smaller and move all the earth around it on top of it and then plant a lawn or organic Garden or whatever you want on top of your roof. The advantage of this is you won't likely die in a flood as long as you don't build an underground house in a flood plain like in Kerr County Texas. So, it needs to be above all flood plains for this to work for you. Building in a canyon even in the desert that floods once a year isn't a good idea also. So, think not in a flood plain before you start building your underground house.
The main advantage is that building an underground house is usually relatively easy to heat or to cool. So, your main advantage is how much money it will save on utilities especially anything electric. Also, if it is sunny where you build an underground house you could also have a solar array too and go completely off the grid with a generator or battery or both backup.
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