The other thing I would install if I was building a new house is metal roofing. It eliminates ice damming issues. It will last for 50 years or more. It is not nearly as big of an upcharge over asphalt now as it was a few years ago.
There may also be a tax credit on the lighter colored varieties.
Like NH, you will probably never have a natural gas pipeline in front of your house, unless you big in a city.
Therefore, your energy choices to heat with are: oil, propane, cord wood, coal and wood pellets. All of those choices have drawbacks. None are getting cheaper, except maybe coal.
steel roofing? certainly on the above ground portion....