Insulation under the home, and skirted around it. You may be thinking of a Frost Protected Shallow Foundation[1]. A nice alternative to excavating in order to get below the frost line. I dream of doing this as part of a self built small passive house project.
ICF construction where the foundation form is Styrofoam Lego like blocks that concrete is poured into achieves this shallow and in full basement hooded. A lot more homes in Canada use this approach now.
[1]: https://www.greenbuildingsolutions.org/blog/frost-protected-...