There are trade offs in all climates for bees. In the north there are harsh winters but the nectar flow lasts longer than it does in hot climates. In the south, the winters tend to be mild, but the summer is harsh as flowering plants wither.
There are some insulated hives, but they are more expensive than wooden hives which you can build at home.
I tried the insulated styrofoam hives for several years and never once had a hive survive the winter. We finally gave away or burned every bit of styrofoam hive and plastic foundation and went back to wood hives, all wax / wired foundation frames. Much better success at overwintering and much faster buildup. Insulated hive bodies also don't breathe at all, and we ran into problems with moisture build-up and mold with some of them. The other major problem was that the ants love the insulation and every single hive ended up holding one or more ant colonies.