Better than a mobe is a concrete shell house. Withstands almost anything. A friend clued me in on them. Foot thick concrete walls. Forca family, the shell would run, I estimate, about $5k. Interior? Whatever you want. Weatherproof? They've held up to earthquakes and flood, and, if tornados happen in your neck of the woods, no blown off roof. Some folks add a foot or two of soul and sod for extra protection. Google Bini Houses. A small cottage is at $3,500. Based on what I know about construction, a three bedroom home would cost about $20K or even less after it was all finished. Electric, cabinets, plumbing. Interior walls, Windows. And, because it's concrete, a wood burner wouldn't send the insurance through the roof.