Better shelters are probably the way to go.
Agreed, more people in the midwest need to build their houses more like “Hobbit Holes”, on the plus side you can graze animals on the roof, on the minuis you have to deal with animal poop on your roof and you have to mow your roof and would need a stronger roof supports...
The think stopping this would be the inability to mass produce such a house like current houses, if one were to make a decent framework for partially buried houses they may ctach on...
Berm or underground homes have a lot of advantages like natural thermal insulation. Lighting is an issue but LED lighting is very efficient.