They should also mandate insulation as it would help with both hot and cold. No matter its cost, it's gotta be cheaper than a monthly power bill.
TLDR - R21 in the walls, R49 in the roof, R30 in the floors.
It’s paired with credits for retrofitting to a reasonable level.
At some point, as you head to colder climates, it makes sense to use a ground source heatpump instead. They're more expensive to install, but pay for themselves in areas with high heating bills.