This is short-term thinking.
I don't expect the insulation in my house to be sufficient for the significantly increased and/or decreased temperatures caused by deforestation, CO2 pollution, ice melting, etc.
Yes, we will have moved out by the time it will matter, but I think my children and their children could've potentially lived comfortably in our house had it been built with the best materials available today. And with more insulation, air conditioning wouldn't be causing even more warming:
http://www.nytimes.com/2012/08/19/sunday-review/air-conditio...
Substantially improved insulation in new housing and stopping deforestation could get the world back on track.