I'm seriously pondering a semi-/underground house to save on heating and cooling costs, protection from fires, tornadoes, hail, and hurricanes. I advise agains

I'm seriously pondering a semi-/underground house to save on heating and cooling costs, protection from fires, tornadoes, hail, and hurricanes. I advise against circular structures because they're damn difficult to furnish. There's a number of interesting videos on YT about such.